Head-to-head, from CMS Plan Year 2026 data.
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Indiana is the cheaper of the two: a 40-year-old pays about $558/month for the median Silver plan, versus $680 — a difference of $122/month (22%) before subsidies.
| Indiana | Alabama | |
|---|---|---|
| Median Silver @40 | $558 | $680 |
| Cheapest Silver @40 | $440 | $583 |
| Most expensive county @40 | $699 | $1,124 |
| Age 27 | $361 | $478 |
| Age 60 | $934 | $1,238 |
| Carriers | 5 | 4 |
| Counties | 92 | 67 |
| 1-carrier counties | 0 | 7 |
| Plan types | EPO, HMO, POS | EPO, PPO |
Network note: Indiana has no PPO plans in 2026 while Alabama does. If you work across county or state lines that difference matters more than the premium gap.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Indiana or Alabama. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Moving permanently from Indiana to Alabama is a qualifying life event, so you get a 60-day special enrollment window counted from the move date — time enough to work through the 4 carriers filing in Alabama without waiting for open enrollment. Two conditions trip people up: you generally need to have held qualifying coverage for at least one day in the 60 days before the move, and relocating purely for treatment or a holiday will not qualify.
Your plan will not come with you. Marketplace coverage is sold state by state, so the Indiana policy ends and a Alabama application begins — new network, new premium, even if the name on the card stays the same.
Some continuity is possible: UnitedHealthcare file in both, out of 5 in Indiana and 4 in Alabama. Same company is easier paperwork, but it is a different plan on a different network at a different price.
The plan types do not match up. PPOs cover all 67 counties in Alabama and zero of the 92 in Indiana. Since the PPO is the one type that reliably pays out of network, moving into Indiana narrows where you can be seen rather than just changing what you pay.
You cannot carry one plan in Indiana and a second in Alabama. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
State averages hide enormous county-level spread. Whichever of Indiana or Alabama you are in, your ZIP is what sets your premium.