Indiana residents who want different coverage than Silver plans may consider other marketplace options. Cigna has the lowest monthly premiums for Bronze and Expanded Bronze plans, while Ambetter may work for those seeking the most affordable Gold plan.
MoneyGeek also found the best health insurance in Indiana by analyzing providers and plans balance cost and service.
Most Affordable Health Insurance in Indiana




Cheapest Health Insurance in Indiana by Metal Tier
Anthem Silver Pathway Essentials 5800 Std from Anthem (BCBS) is the least expensive HMO plan for the average Indiana resident, at around $413 per month.
Health insurance plans are divided into tiers, with the lowest generally offering the least coverage at the cheapest premiums.
Here's a list of the most affordable health insurance plans in Indiana by tier and average monthly cost:
- Bronze: Cigna Simple Choice 9100 ($324 per month)
- Expanded Bronze: Cigna Simple Choice 7500 ($339 per month)
- Silver: Cigna Simple Choice 5800 ($385 per month)
- Gold: CMS Standard Gold ($514 per month)
Paying for a higher premium usually results in a lower deductible and out-of-pocket maximum.
Metal tiers are a way of categorizing health insurance plans. The category your plan falls into determines how much you pay for premiums and the amount of cost-sharing you're responsible for when you use medical services.
Young and healthy people who want to lower premiums with adequate coverage usually find that Silver plans hit that sweet spot.
Resource: Learn more about metal tiers
Cheapest Silver Plans in Indiana
MoneyGeek discovered the most affordable Silver plan is Anthem Silver Pathway Essentials 5800 Std from Anthem (BCBS). It costs around $413 per month.
In this tier, the three cheapest health insurance in Indiana are:
- Anthem Silver Pathway Essentials 5800 Std from Anthem (BCBS): $413 per month
- Anthem Silver Pathway Essentials 6550 ($0 Virtual PCP + $0 Virtual Chat + $0 Select Drugs) from Anthem (BCBS): $415 per month
- Anthem Silver Pathway Essentials 6000 ($0 Virtual PCP + $0 Virtual Chat + $0 Select Drugs) from Anthem (BCBS): $417 per month
Silver plans are often referred to as "middle-tier" because they offer a reasonable blend of cost and coverage. This category is often right for people with moderate health care needs.
In this section, MoneyGeek focuses its recommendations on HMO plans since they are the most widely accessible in Indiana. However, note that they aren't necessarily the cheapest Silver plan options.
Cheapest Gold Plans in Indiana
Ambetter's CMS Standard Gold is Indiana’s most affordable Gold health insurance. The monthly cost is around $514.
Overall, these three are the cheapest gold options:
- CMS Standard Gold from Ambetter: $514 per month
- Everyday Gold from Ambetter: $517 per month
- Ambetter Virtual Access Gold - Virtual PCP selection required from Ambetter: $518 per month
Gold is the most expensive health insurance plan option because it's the most comprehensive. You get what you pay for, even in health insurance.
Cheapest Bronze Plans in Indiana
The most affordable Bronze plan in Indiana, the Cigna Simple Choice 9100 from Cigna, costs about $324 per month.
The three least expensive options in this tier are:
- Cigna Simple Choice 9100 from Cigna: $324 per month
- Anthem Bronze Pathway Essentials 6550 ($0 Virtual PCP + $0 Virtual Chat + $0 Select Drugs) from Anthem (BCBS): $328 per month
- Anthem Bronze Pathway Essentials 9100 Std from Anthem (BCBS): $330 per month
Bronze plans are typically the least expensive of the standard health insurance options. In exchange, you have to pay for more out of pocket when the need arises.
Cheapest Expanded Bronze Plans in Indiana
We found that Cigna's Cigna Simple Choice 7500, at $339 per month, is the least expensive.
The three cheapest health insurance options in Indiana for this tier are:
- Cigna Simple Choice 7500 from Cigna: $339 per month
- Cigna Connect 6800 Enhanced Diabetes Care from Cigna: $340 per month
- Cigna Connect 7600 Enhanced Asthma COPD Care from Cigna: $340 per month
Expanded Bronze plans have a lot in common with traditional Bronze plans, except the former offer additional coverage for a bit more money.
Cheapest Health Insurance in Indiana for Those With Low Income
You may qualify for reduced copayments if your household income is less than 250% of the Federal Poverty Level (FPL).
The lowest-cost plan in Indiana is the Cigna Simple Choice 5800. Its maximum out-of-pocket cost adjustments are as follows:
- Income lower than $20,385 per year (less than 150% of FPL): Cigna Simple Choice 5800 ($1,700 MOOP)
- Income from $28,386 to $27,180 per year (151% to 200% of FPL): Cigna Simple Choice 5800 ($3,000 MOOP)
- Income from $27,181 to $47,565 per year (201% to 250% of FPL): Cigna Simple Choice 5800 ($7,200 MOOP)
These cost-sharing estimates assume you're a single adult in Indiana. They may differ if your household includes more than one person.
Health care cost-sharing plans don't have cheaper premiums. But they pay more of your medical expenses if you get treatment. These usually carry lower deductibles, lower out-of-pocket maximums and lower copayments. For example, the MOOP cost for Cigna Simple Choice 5800 is $1,700. It runs $385 per month for those below 150% of FPL.
For average-income earners, the MOOP cost is around $8,900 for that price.
The Cheapest Health Insurance in Indiana by Plan Type
Indiana residents can choose from two types of health insurance plans: HMO and EPO.
MoneyGeek identified that the least expensive health insurance plan for the latter is:
- EPO: Cigna Simple Choice 5800 from Cigna ($385 per month)
HMOs and EPOs are managed care plans offering services in a specified network of doctors and hospitals. EPO members, however, can receive services from providers outside their plan's network, giving them more flexibility than HMO members.
Indiana offers two types of health care plans: HMOs and EPOs.
- HMOs are the most common type of health plan as they tend to carry cheaper premiums. These plans limit you to doctors and facilities within a network. In an HMO, you choose a primary care physician to coordinate care and provide specialist referrals.
- EPOs give you more flexibility than HMOs. You may go to nearly any doctor or hospital without a referral, even if they aren't in your network. You just pay higher copays for those services.
Cheapest Health Insurance in Indiana by County
Insurance carriers in Indiana don't have to offer plans statewide. Residents in some counties may buy different plans or see different prices for the same plan.
Consider the Silver plans in the most and least populated counties in Indiana: Marion and Ohio, respectively:
- Marion County: Anthem Silver Pathway Essentials 5800 Std ($432 per month)
- Ohio County: CareSource Marketplace Low Premium Silver ($432 per month)
The following table shows the different Silver plans that are available in your county:
Health Insurance Costs in Indiana by Age and Metal Tier
The average monthly health insurance premium for a 40-year-old in Indiana varies depending on the metal tier. Lower-level metal tiers are less expensive but have higher deductibles.
Here's how it impacts the average monthly premium for a 40-year-old in Indiana:
- Bronze: $716
- Expanded Bronze: $1,121
- Silver: $862
- Gold: $1,177
Costs may also vary by age group. For example, the average monthly premium for a Silver plan for middle-aged adults is $862; for young adults, it's $616; and for seniors, it's $1,831.

What to Know About Indiana Health Insurance
MoneyGeek used data from private health insurance plans in Indiana to find the most affordable options. These plans can be purchased during their annual open enrollment periods.
If you have a low income, are a senior or have a disability, you may be eligible for Medicaid or Medicare. These government programs provide health care at lower costs.
Private Health Insurance in the Indiana Marketplace
In Indiana, you must enroll in a health plan during an open enrollment period of November 1 to December 15. During this time, you can change or add to your current plan. Coverage begins at the start of the next calendar year.
If you miss the open enrollment deadline for marketplace plans, you may be able to enroll if you qualify for a Special Enrollment Period. These periods occur during major life events like losing a job, moving, having a baby or getting married.
What Are Health Insurance Metal Tiers?
Health insurance in Indiana comes in Bronze, Expanded Bronze, Silver and Gold tiers. Each has characteristics making it worthwhile for some people.
- Bronze plans have lower monthly premiums than Silver plans but have higher out-of-pocket costs for care. A Bronze plan may be the right choice if you're healthy and want to save on your monthly premium.
- Expanded Bronze plans are like Bronze plans but offer more coverage for an extra charge. If you have high-deductible health insurance and want slightly more coverage, an Expanded Bronze plan might be the best option.
- Silver plans are designed for people seeking moderate out-of-pocket costs and premiums. Cost-sharing reductions may be available. This is generally recommended for healthy people who can afford life's "just in case" costs.
- Gold plans provide the most comprehensive benefits and have lower deductibles than the other tiers.
Medicaid in Indiana
The Indiana Medicaid program offers a range of health coverage options to people with low incomes or with certain disabilities. Depending on eligibility, you may receive benefits like doctor's services, medication and hospital stays.
Medicaid recipients usually don't have to pay for their medications and health care services, but they may be responsible for a small fee.
Medicare in Indiana
Medicare is the government’s health insurance program for the elderly. People 65 years old or older, with disabilities, and veterans are eligible to apply. This program covers hospital and medical insurance along with prescription drugs.
When you’re enrolled in Medicare, you pay monthly premiums for health and drug coverage. You also might have to pay additional amounts out of pocket for care.
The best Medicare Advantage and the best Medicare Supplement plans in Indiana are also available. These help guide people who want to complement their existing policies with offers from private companies.
Indiana Health Insurance Frequently Asked Questions
Health insurance can be confusing, especially for first-timers. MoneyGeek answers some of the most common questions from people looking for health insurance in Indiana to help you get started:
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sources
- HealthCare.gov. "Federal poverty level (FPL)." Accessed January 13, 2023.
- HealthCare.gov. "Special Enrollment Period (SEP)." Accessed January 13, 2023.
- U.S. Department of Health and Human Services. "What’s the difference between Medicare and Medicaid?." Accessed January 13, 2023.