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 $828 — a difference of $270/month (48%) before subsidies.
| Indiana | Arkansas | |
|---|---|---|
| Median Silver @40 | $558 | $828 |
| Cheapest Silver @40 | $440 | $753 |
| Most expensive county @40 | $699 | $879 |
| Age 27 | $361 | $617 |
| Age 60 | $934 | $1,599 |
| Carriers | 5 | 4 |
| Counties | 92 | 75 |
| 1-carrier counties | 0 | 0 |
| Plan types | EPO, HMO, POS | POS, PPO |
Network note: Indiana has no PPO plans in 2026 while Arkansas 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 Arkansas. 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.
An Indiana-to-Arkansas move triggers a 60-day special enrollment period, so the 4 carriers filing in Arkansas are open to you outside the usual window. The catch is on both ends — you normally need to have carried qualifying coverage for a day or more in the 60 days before moving, and moves made for treatment or travel are excluded.
Nothing transfers. You close the Indiana plan and enroll fresh against Arkansas’s 75 counties, which means a new network and a new price regardless of which insurer you land on.
There is no overlap to lean on: none of Indiana’s 5 carriers file in Arkansas, where 4 other insurers write instead. Changing state means changing company.
The plan types do not match up. PPOs cover all 75 counties in Arkansas 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.
Splitting the year does not mean splitting the coverage. You can hold a marketplace plan only in your state of primary residence — the address you file from — not one in Indiana and another in Arkansas. The cost lands on care received in whichever of the two you did not choose.
Picking between Indiana and Arkansas on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.