Before subsidies, the benchmark silver plan for a 40-year-old in Wayne County cost about $461 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. 3 insurers offered marketplace plans in Wayne County for 2026. Below you'll find how coverage works in Richmond, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Richmond
Licensed agents can compare plans available in Wayne County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Richmond, IN
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $537/mo before subsidies |
| Wayne County benchmark (2026) | $461/mo |
| Plans offered in Wayne County (2026) | 47 |
| Plan types | HMO, 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.
A quick checklist
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- 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
Where can I buy health insurance in Richmond?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Richmond?
Before subsidies, the benchmark silver plan for a 40-year-old in Wayne County cost about $461 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. 3 insurers offered marketplace plans in Wayne County for 2026. A licensed agent can quote your exact price.
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.
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