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 $625 — a difference of $67/month (12%) before subsidies.
| Indiana | Ohio | |
|---|---|---|
| Median Silver @40 | $558 | $625 |
| Cheapest Silver @40 | $440 | $482 |
| Most expensive county @40 | $699 | $924 |
| Age 27 | $361 | $395 |
| Age 60 | $934 | $1,023 |
| Carriers | 5 | 11 |
| Counties | 92 | 88 |
| 1-carrier counties | 0 | 0 |
| Plan types | EPO, HMO, POS | HMO |
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 Ohio. 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-Ohio move triggers a 60-day special enrollment period, so the 11 carriers filing in Ohio 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.
There is no transfer to request. Indiana coverage stops, Ohio coverage starts, and the premium is rebuilt from your new county rather than carried over.
Of the 5 carriers in Indiana and 11 in Ohio, Anthem Blue Cross and Blue Shield, CareSource 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.
Neither state sells a PPO. All 92 Indiana counties and all 88 in Ohio offer HMO, EPO or POS only, so care outside the network is generally an emergency-only benefit — the binding constraint if you will need routine appointments in both.
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 Ohio. The cost lands on care received in whichever of the two you did not choose.
Picking between Indiana and Ohio on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.