Best Cheap Health Insurance in Indiana (2025)
Anthem BCBS has the best health insurance in Indiana. A Silver plan from Anthem can cost as little as $317 per month before discounts.
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Best and cheapest health insurance in Indiana
Cheapest health insurance companies in Indiana
Ambetter sells the cheapest health insurance in Indiana. Its Silver plans start at $304 per month.
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Affordable health insurance in Indiana
Company |
Cost
| |
|---|---|---|
| Ambetter Health | $304 - $490 |
| Anthem Blue Cross and Blue Shield | $317 - $451 |
| CareSource | $384 - $582 |
| Aetna CVS Health | $409 - $557 |
- Ambetter has the cheapest overall rates in Indiana, but Anthem BCBS is a better choice for most people. Its cheapest Silver plan is only $13 more per month than Ambetter, and it has better customer satisfaction.
- Anthem BCBS has the cheapest rates for about six in 10 people in Indiana. The company has the most affordable quotes in several large Indiana cities including Indianapolis and its suburbs, Evansville and Hammond.
- Ambetter from MHS is the cheapest option for about four in 10 Indiana residents in a little more than half the counties in the state. It's the most affordable option in Fort Wayne and South Bend.
Best health insurance companies in Indiana
Anthem Blue Cross and Blue Shield (BCBS) has the best health insurance in Indiana for most people.
Anthem has great customer satisfaction, and its large doctor network makes it easy to get medical care. Its plans are also affordable. The cheapest Silver plan costs just $317 per month. It's also the most popular company in Indiana, selling over half of all plans in the state.
Best-rated health insurance companies in Indiana
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Anthem Blue Cross and Blue Shield | 2.5 | |
| Ambetter Health | NA | |
| Aetna CVS Health | NA | |
| UnitedHealthcare | NA | |
| CareSource | 4.0 |
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Ambetter from MHS has good ratings from HealthCare.gov, but its customer service isn't as good as Anthem's. Ambetter from MHS has almost twice the number of complaints expected for a company its size. Anthem has two-thirds fewer complaints than expected. That likely means more of its customers are happy with Anthem's service.
CareSource: Best for quality plans
CareSource has a strong four out of five stars from HealthCare.gov. These ratings measure customer satisfaction, plan management and quality. However, CareSource only sells HMOs and it doesn't have the cheapest rates.
Consider CareSource if you prioritize high-quality coverage over getting the cheapest rate.
How much does health insurance cost in Indiana?
Health insurance in Indiana costs an average of $432 per month, but if you get discounts based on your income, you could pay an average of $82 per month.
- Higher plan tiers, like Gold, cost more each month but let you get cheaper medical care.
- Your age also affects your health insurance costs since your medical needs tend to increase as you get older.
- Monthly rates start cheap and increase sharply as you reach middle age. In Indiana, a 60-year-old will pay more than twice as much as a 40-year-old for the same level of coverage across all plan tiers.
Get affordable health insurance in Indiana with subsidies
You could pay an average of $82 per month for health insurance in Indiana if you qualify for low-income discounts.
Almost 9 in 10 Hoosiers who buy health insurance from HealthCare.gov qualify for at least one type of health insurance discount. Discounts on your monthly rate are called subsidies. In Indiana, 41% of people pay $10 or less each month for a plan.
If you're single and make between $15,606 and $60,240 per year, you qualify for the discount on monthly rates. If you're a family of four, the income range is $31,200 to $124,800 per year. The less you make, the more you'll save.
You can use subsidies to lower the cost of a Bronze, Silver or Gold plan from any insurance company in Indiana.
If you qualify for rate subsidies, you might also qualify for another type of discount, called a cost-sharing reduction, which lowers how much you pay for medical care.
Cheap Indiana health insurance plans by city
Anthem BCBS has the cheapest health insurance in Indianapolis and its major suburbs, such as Fishers, Carmel and Noblesville.
But Ambetter is also a cheap option for a lot of Hoosiers. It has the cheapest rates in Fort Wayne, South Bend and Bloomington.
Cheapest health insurance by IN county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Adams | Anthem Silver Essential | $417 |
| Allen | Ambetter Health Clear Silver | $416 |
| Bartholomew | Ambetter Health Clear Silver | $357 |
| Benton | Anthem Silver Essential | $377 |
| Blackford | Anthem Silver Essential | $375 |
Cheapest Silver plan with rates for a 40-year-old
Find Cheap Health Insurance Quotes in Indiana
Anthem has the cheapest rates in a little more than half of Indiana, mostly in the Western and Central portions of the state. Ambetter is the most affordable option in the rest of Indiana. It has the best rates in much of eastern Indiana.
But companies in Indiana charge similar health insurance rates. It's a good idea to get quotes from several companies and compare your options.
Best health insurance by level of coverage
The best health insurance for you depends on your monthly budget, how often you go to the doctor, what you can afford to spend on medical care and where you live.
One thing to think about when choosing your health insurance is your plan tier. The tier you choose — Bronze, Silver, Gold or Platinum — determines how much you can expect to pay monthly, and also how much you have to pay when you go to the doctor. These are called "out-of-pocket costs" and include your deductible, copays and coinsurance.
Silver plans are a good choice for most people since they offer affordable rates and reasonable out-of-pocket costs. However, you might choose a Bronze plan if you're young and healthy since you'll probably save money overall with low monthly rates. Or a Gold or Platinum plan might make the most sense for you if you're in and out of the hospital frequently.
In 2025, there are no Catastrophic plans available in Indiana.
Platinum plans: Best if you need expensive treatment
| Platinum plans pay for about 90% of your medical care. |
A Platinum health plan is a good choice if you expect to need a lot of expensive medical care in the coming year. That's because Platinum plans have high monthly rates, but you pay very little when you see the doctor.
In Indiana, Platinum plans cost $1,141 per month, on average. But, these plans have a $0 deductible. That means you don't have to pay anything out of pocket before coverage starts.
Gold plans: Best if you need medical care often
| Gold plans pay for about 80% of your medical care. |
Gold plans have the highest monthly rates, but you'll pay less when you visit the doctor or get a prescription filled. Gold plans also usually have lower deductibles, meaning your health insurance will kick in sooner if you get sick.
Gold plans are best for people with chronic illnesses, expensive prescriptions or those who need expensive treatments. Even though you'll pay more each month, the low out-of-pocket costs can make the plan worthwhile.
Gold plans cost an average of $596 per month in Indiana.
Silver plans: Best for most people
| Silver plans pay for about 70% of your medical care. |
Silver plans are a good option for most people because they offer a balance between affordable monthly rates and reasonable out-of-pocket costs.
If you aren't sure what level of coverage you need, start by looking at Silver plans. If you have a low income, you might also qualify for extra discounts with a Silver plan that can lower what you pay when you go to the doctor.
You'll pay an average of $432 per month for a Silver plan in Indiana.
Bronze plans: Best for healthy people with emergency savings
| Bronze plans pay for about 60% of your medical care. |
Bronze plans usually have the lowest monthly rates. But their high out-of-pocket costs can make Bronze plans more expensive than Silver or Gold plans if you become seriously sick or injured.
You should only consider a Bronze plan if you're in good health and you have enough money in your savings account to cover an unexpected medical bill.
Hoosiers pay an average of $375 per month for Bronze plans.
Cheap or free health insurance in Indiana if you have a low income
Health insurance in Indiana is cheaper than it is in many other states. But if you still can't afford a plan or struggle to pay for doctor visits, you might be able to get extra help from the state.
Medicaid in Indiana
Medicaid is a form of free health insurance offered by the government.
In Indiana, you can go on Medicaid if you earn about $21,000 per year ($44,000 for a family of four) or less. If you're over the age of 65, you may qualify for both Medicaid and Medicare, which could lower your medical costs even further.
Use cost-sharing reductions for cheaper medical care
If you buy a Silver plan, you might qualify for extra discounts that lower what you pay when you go to the doctor by giving you a smaller deductible, copay and coinsurance. They're called cost-sharing reductions (CSRs).
If you qualify for cost-sharing reductions, you might also qualify for rate subsidies that lower the monthly cost of your insurance.
Are health insurance rates going up in IN?
Health insurance got slightly cheaper on average in Indiana between 2024 and 2025. Bronze plan rates fell by an average of 5% and Silver plans got 1% cheaper, on average. The cost of a Gold plan rose by 2%, on average.
Tier | 2024 | 2025 | Change |
|---|---|---|---|
| Bronze | $396 | $375 | -5% |
| Silver | $436 | $432 | -1% |
| Gold | $583 | $596 | 2% |
| Platinum | $1,141 |
Monthly costs are for a 40-year-old.
Platinum plans were not available on the Indiana health marketplace in 2024.
Marketplace insurance in Indiana is also called "Obamacare" insurance or "Affordable Care Act (ACA)" insurance. Any plan that you buy on HealthCare.gov is a marketplace plan.
No matter what plan tier you buy, you'll have coverage for at least 10 common health care situations, including doctor visits, emergency care and prescriptions.
The difference between the plan tiers is how much of your medical bills they'll pay. Bronze plans pay the least and Gold plans pay the most.
Average cost of health insurance by family size in Indiana
In Indiana, as in most places, your health insurance costs will grow along with the size of your family. A single parent and child can expect to pay $432 per month for coverage on average.
Children under the age of 15 are charged a flat rate, at $258 per month on average. Rates increase each year for your spouse and children 15 and over.
A typical married couple of two 40-year-old people will pay $863 per month.
Family size | Average monthly cost |
|---|---|
| Individual | $432 |
| Individual + Child | $690 |
| Couple, age 40 | $863 |
| Family of three | $1,122 |
| Family of four | $1,380 |
Averages based on a Silver plan for 40-year-old adults and children who are under age 15.
COBRA insurance in Indiana
In Indiana, COBRA costs about $722 per month for a single person and $2,030 per month for families.
COBRA is a program that lets you keep the health insurance you had with your employer for a year and a half from the time you leave.
Unless you need a specific type of coverage that's only available on the plan from your old job, it's usually a better option to buy a plan from HealthCare.gov. A Silver plan costs $432 per month for one person and $1,380 per month for a family of four. That's much cheaper than COBRA.
Short-term health insurance in Indiana
Indiana lets you buy short-term health insurance policies that last for up to three months. You can renew your plan for up to four months total in a single year. For example, if you bought a policy that lasts three months, you could renew your coverage for up to one more month.
Indiana requires short-term health insurance plans to cover at least $2 million per year in health benefits.
Pros of short-term health insurance in Indiana
Cons of short-term health insurance in Indiana
Frequently asked questions
Does Indiana have free health care?
You can qualify for Medicaid, which gives you free health insurance in Indiana, if you make roughly $21,000 per year ($44,000 for a family of four) or less. Adults age 65 and older may qualify for Medicare, and working-age adults may be eligible for marketplace subsidies if they buy their health insurance through HealthCare.gov and have a low income.
How much is health insurance in Indiana per month?
In Indiana, a 40-year-old will pay $432 per month for a Silver health insurance plan, on average. Both your age and the plan tier you choose will influence your
What is the most popular health insurance in Indiana?
Anthem Blue Cross Blue Shield, recently renamed to Elevance, is the most popular health insurance company in Indiana, selling half the plans in the state. It also has the cheapest average cost for a Silver health plan in Indiana, and it gets significantly fewer complaints compared to the average health insurance company when adjusted for size.
Methodology
To find the best and cheapest health insurance in Indiana, ValuePenguin used public use files (PUFs) from the Centers for Medicare & Medicaid Services (CMS) government website. Rates are for a 40-year-old with a Silver plan unless otherwise noted. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this dataset may not appear. Info about COBRA in Indiana came from KFF.
Rates for plans with subsidies are from CMS data and include info for all people who purchased health insurance during 2024 open enrollment and who were eligible for advanced premium tax credits (APTCs).
Other sources include the National Association of Insurance Commissioners (NAIC) and S&P Global Capital IQ.
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.