Before subsidies, the benchmark silver plan for a 40-year-old in Marion County cost about $476 a month for 2026, and the Indiana average for 2027 is $537 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Marion County for 2026. Below you'll find how coverage works in Indianapolis, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Indianapolis
Licensed agents can compare plans available in Marion County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Indianapolis, IN
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $537/mo before subsidies |
| Marion County benchmark (2026) | $476/mo |
| Plans offered in Marion County (2026) | 56 |
| Plan types | HMO, EPO, POS |
| Marketplace insurers in Indiana (2027) | 4 |
| Medicaid expansion | Yes |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local health care in Indianapolis
- Eskenazi Health, Indianapolis's public hospital system run by the Health & Hospital Corporation of Marion County, is a network worth checking against a plan's provider list before you enroll. Source
- Indianapolis is served by the Marion County Public Health Department, part of the Health & Hospital Corporation of Marion County. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Before you call an agent
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in Indiana
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Indiana?
For 2027, marketplace plans in Indiana come from 4 insurers: Anthem Blue Cross and Blue Shield, Ambetter from MHS (Coordinated Care), UnitedHealthcare and AmeriHealth Caritas. Not every insurer sells in every county.
How much is health insurance in Indianapolis?
Before subsidies, the benchmark silver plan for a 40-year-old in Marion County cost about $476 a month for 2026, and the Indiana average for 2027 is $537 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Marion County for 2026. A licensed agent can quote your exact price.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Healthy Indiana Plan (HIP). Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
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