2026 plan year · Indiana
2026 health insurance plans in Madison County, IN
71 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $461benchmark silver (age 40)
- $391cheapest bronze (age 40)
- 5insurers
- +21.5%benchmark change vs. 2025
Insurer changes from 2025
- New here: Cigna Healthcare.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $306 | $391 | $829 | $10,150 | $10,150 | No Charge after Deductible |
| Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $312 | $399 | $847 | $10,150 | $10,150 | No Charge after Deductible |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $382 | $488 | $1,037 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · POS | $318 | $407 | $864 | $5,500 | $10,150 | $50 and 40% Coinsurance after deductible |
| Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $324 | $414 | $879 | $4,500 | $10,150 | $50 |
| Anthem Bronze Essential 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $326 | $416 | $884 | $7,500 | $10,000 | $50 |
| Anthem Bronze Essential POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · POS | $326 | $416 | $884 | $7,500 | $10,000 | $50 |
| Anthem Bronze Essential 6500 HSA (+ Incentives) Anthem Blue Cross and Blue Shield · HMO | $336 | $429 | $912 | $6,500 | $8,450 | 10% Coinsurance after deductible |
| Connect Bronze 7900 Indiv Med Deductible Cigna Healthcare · EPO | $351 | $448 | $952 | $7,900 | $10,500 | $20 |
| Connect Bronze CMS Standard Cigna Healthcare · EPO | $356 | $455 | $967 | $7,500 | $10,000 | $50 |
| Connect myDiabetesCare Bronze Cigna Healthcare · EPO | $358 | $458 | $973 | $7,000 | $9,800 | $45 |
| Connect Bronze 3800 Indiv Med Deductible Cigna Healthcare · EPO | $361 | $462 | $981 | $3,800 | $9,950 | $15 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource · HMO | $387 | $495 | $1,051 | $10,600 | $10,600 | No Charge after Deductible |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $391 | $499 | $1,060 | $10,600 | $10,600 | No Charge after Deductible |
| Bronze 7500 $25 Generic Drugs CareSource · HMO | $399 | $509 | $1,082 | $7,500 | $10,000 | $50 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $402 | $514 | $1,091 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $405 | $517 | $1,099 | $7,500 | $10,000 | $50 |
| HSA Eligible Bronze 6000 CareSource · HMO | $417 | $534 | $1,133 | $6,000 | $7,250 | 60% Coinsurance after deductible |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $423 | $541 | $1,149 | $0 | $10,600 | $40 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $439 | $561 | $1,191 | $0 | $10,600 | $40 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $358 | $457 | $971 | $7,000 | $8,850 | $25 |
| Standard Silver Ambetter Health · HMO | $361 | $461 | $980 | $6,000 | $8,900 | $40 |
| Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $363 | $464 | $985 | $6,000 | $8,900 | $40 |
| Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $364 | $465 | $987 | $4,500 | $8,800 | $35 |
| Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $364 | $465 | $988 | $7,000 | $8,850 | $25 |
| Focused Silver Ambetter Health · HMO | $364 | $465 | $989 | $6,300 | $8,400 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter Health · HMO | $371 | $474 | $1,006 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter Health · HMO | $374 | $478 | $1,015 | $6,300 | $8,400 | $40 |
| Anthem Silver Essential 3500 HSA (+ Incentives) Anthem Blue Cross and Blue Shield · HMO | $377 | $481 | $1,022 | $3,500 | $8,450 | 15% Coinsurance after deductible |
| Connect Silver 6300 Indiv Med Deductible Cigna Healthcare · EPO | $469 | $599 | $1,272 | $6,300 | $9,800 | $5 |
| Connect Silver CMS Standard Cigna Healthcare · EPO | $469 | $599 | $1,272 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $470 | $601 | $1,276 | $7,000 | $10,600 | $30 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource · HMO | $475 | $607 | $1,289 | $6,200 | $9,800 | $40 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $477 | $610 | $1,296 | $6,000 | $8,900 | $40 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $478 | $611 | $1,298 | $6,200 | $9,800 | $40 |
| Connect Silver 3000 Indiv Med Deductible Cigna Healthcare · EPO | $480 | $613 | $1,302 | $3,000 | $9,175 | $10 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $486 | $621 | $1,318 | $7,000 | $10,600 | $30 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource · HMO | $487 | $622 | $1,321 | $5,000 | $9,500 | $30 |
| Silver 6000 $20 Generic Drugs CareSource · HMO | $488 | $624 | $1,326 | $6,000 | $8,900 | $40 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource · HMO | $489 | $625 | $1,326 | $5,000 | $9,500 | $30 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $490 | $626 | $1,330 | $5,000 | $9,500 | $30 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $492 | $628 | $1,335 | $6,000 | $8,900 | $40 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $492 | $629 | $1,336 | $5,000 | $9,500 | $30 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource · HMO | $493 | $630 | $1,337 | $5,500 | $5,500 | No Charge after Deductible |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $493 | $630 | $1,338 | $0 | $10,150 | $35 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $493 | $630 | $1,338 | $6,000 | $8,900 | $40 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $509 | $650 | $1,381 | $0 | $10,150 | $35 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold Ambetter Health · HMO | $446 | $570 | $1,209 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter Health · HMO | $457 | $585 | $1,241 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter Health · HMO | $464 | $593 | $1,260 | $1,450 | $7,500 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter Health · HMO | $477 | $609 | $1,293 | $1,450 | $7,500 | $15 |
| Elite Gold Ambetter Health · HMO | $501 | $641 | $1,361 | $0 | $6,500 | $5 |
| Elite Gold + Vision + Adult Dental Ambetter Health · HMO | $515 | $658 | $1,397 | $0 | $6,500 | $5 |
| Anthem Gold Essential 2200 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $579 | $739 | $1,570 | $2,200 | $4,700 | $25 |
| UHC Gold Value ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $580 | $741 | $1,573 | $2,350 | $8,700 | $10 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $588 | $751 | $1,596 | $2,000 | $8,200 | $30 |
| Anthem Gold Essential 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · HMO | $589 | $753 | $1,599 | $2,000 | $8,200 | $30 |
| UHC Gold Value+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $595 | $761 | $1,616 | $2,350 | $8,700 | $10 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $599 | $766 | $1,626 | $0 | $7,700 | $20 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $615 | $786 | $1,668 | $0 | $7,700 | $20 |
| Connect Gold 2700 Indiv Med Deductible Cigna Healthcare · EPO | $650 | $830 | $1,764 | $2,700 | $6,700 | $15 |
| Connect Gold CMS Standard Cigna Healthcare · EPO | $658 | $841 | $1,785 | $2,000 | $8,200 | $30 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource · HMO | $694 | $887 | $1,884 | $3,000 | $8,500 | $10 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $697 | $891 | $1,893 | $3,000 | $8,500 | $10 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource · HMO | $698 | $892 | $1,894 | $3,000 | $8,500 | $10 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource · HMO | $701 | $896 | $1,903 | $3,000 | $8,500 | $10 |
| Gold 2000 $15 Generic Drugs CareSource · HMO | $757 | $967 | $2,053 | $2,000 | $8,200 | $30 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $760 | $971 | $2,062 | $2,000 | $8,200 | $30 |
Platinum plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Platinum Zero $5 Generic Drugs CareSource · HMO | $925 | $1,182 | $2,511 | $0 | $5,200 | $10 |
| Platinum Zero $5 Generic Drugs + Adult Vision & Fitness CareSource · HMO | $929 | $1,187 | $2,520 | $0 | $5,200 | $10 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Essential (+ Incentives) Anthem Blue Cross and Blue Shield · HMO | $303 | $388 | $823 | $10,600 | $10,600 | $40 |
Care quality in Madison County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Madison County.
Frequently asked questions
How many Marketplace health plans are available in Madison County, IN for 2026?
71 plans from 5 insurers: Ambetter Health, Anthem Blue Cross and Blue Shield, CareSource, Cigna Healthcare, UnitedHealthcare.
What is the benchmark silver plan premium in Madison County, IN?
For 2026, the second-lowest-cost silver plan costs $461 a month for a 40-year-old before tax credits, up 21.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Madison County, IN?
The lowest bronze premium for a 40-year-old is $391 a month before tax credits. Bronze plans have low premiums but high deductibles.