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 $789 — a difference of $231/month (41%) before subsidies.
| Indiana | Florida | |
|---|---|---|
| Median Silver @40 | $558 | $789 |
| Cheapest Silver @40 | $440 | $554 |
| Most expensive county @40 | $699 | $2,203 |
| Age 27 | $361 | $454 |
| Age 60 | $934 | $1,177 |
| Carriers | 5 | 15 |
| Counties | 92 | 67 |
| 1-carrier counties | 0 | 1 |
| Plan types | EPO, HMO, POS | EPO, HMO, POS, PPO |
Network note: Indiana has no PPO plans in 2026 while Florida 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 Florida. There is also a blog covering deductibles, subsidies and special enrollment periods.
Change the age or income and both states recalculate: the 2027 marketplace price after any tax credit, and the private plan estimate.
| Monthly, age 45, $85,000 | Indiana | Florida |
|---|---|---|
| Marketplace benchmark Silver, full price | $629 | $852 |
| Tax credit | none | none |
| You pay for the benchmark plan | $629 | $852 |
| Private plan estimate (low end: no deductible) | $305–$390 | $365–$515 |
At 45 on $85,000, the benchmark plan costs $2,672 a year more in Florida than in Indiana, at full price in both, since that income is over the tax-credit line.
2027 estimates: KFF 2026 benchmark raised by each state’s average 2027 change, on the federal age curve; 2027 tax credit rules. Your county will differ. Every state at once: what you would pay in each state.
Put your ZIP code in and a licensed agent 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 a licensed agent — not a call center.
Relocating between Indiana and Florida counts as a qualifying life event. That buys a 60-day special enrollment period, dated from the move, to choose among Florida’s 15 filing carriers. Two conditions apply: at least one day of qualifying coverage during the 60 days beforehand, and the move cannot be purely for medical treatment or a holiday.
Coverage does not port across the state line. Ending in Indiana and starting in Florida is two separate transactions, and the plan you end up with in Florida is priced on its own county, not on what you paid before.
Of the 5 carriers in Indiana and 15 in Florida, Ambetter Health, Cigna Healthcare and UnitedHealthcare appear in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
This is the asymmetry that bites. Florida has PPO plans across all 67 counties; Indiana sells none in any of its 92. The PPO is the plan type most likely to pay outside its own network, so heading toward Indiana usually costs you the ability to see Florida providers for anything short of an emergency.
You cannot carry one plan in Indiana and a second in Florida. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
Neither Indiana nor Florida has one price. Enter a ZIP and a licensed agent will pull the plans in that county and work out what help you qualify for.
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