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 $805 — a difference of $247/month (44%) before subsidies.
| Indiana | Utah | |
|---|---|---|
| Median Silver @40 | $558 | $805 |
| Cheapest Silver @40 | $440 | $559 |
| Most expensive county @40 | $699 | $1,125 |
| Age 27 | $361 | $526 |
| Age 60 | $934 | $1,134 |
| Carriers | 5 | 6 |
| Counties | 92 | 29 |
| 1-carrier counties | 0 | 1 |
| Plan types | EPO, HMO, POS | EPO, 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 Utah. 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.
Relocating between Indiana and Utah counts as a qualifying life event. That buys a 60-day special enrollment period, dated from the move, to choose among Utah’s 6 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.
Your plan will not come with you. Marketplace coverage is sold state by state, so the Indiana policy ends and a Utah application begins — new network, new premium, even if the name on the card stays the same.
There is no overlap to lean on: none of Indiana’s 5 carriers file in Utah, where 6 other insurers write instead. Changing state means changing company.
No PPO exists on either marketplace. Across 92 counties in Indiana and 29 in Utah, every plan is an HMO, EPO or POS, which puts out-of-area routine care outside the benefit in both directions.
You cannot carry one plan in Indiana and a second in Utah. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
Picking between Indiana and Utah on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.