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 $687 — a difference of $129/month (23%) before subsidies.
| Indiana | Wisconsin | |
|---|---|---|
| Median Silver @40 | $558 | $687 |
| Cheapest Silver @40 | $440 | $526 |
| Most expensive county @40 | $699 | $1,062 |
| Age 27 | $361 | $431 |
| Age 60 | $934 | $1,116 |
| Carriers | 5 | 12 |
| Counties | 92 | 72 |
| 1-carrier counties | 0 | 1 |
| Plan types | EPO, HMO, POS | EPO, HMO, POS, PPO |
Network note: Indiana has no PPO plans in 2026 while Wisconsin 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 Wisconsin. 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-Wisconsin move triggers a 60-day special enrollment period, so the 12 carriers filing in Wisconsin 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, Wisconsin coverage starts, and the premium is rebuilt from your new county rather than carried over.
Anthem Blue Cross and Blue Shield and UnitedHealthcare write on both sides of the line — Indiana fields 5 carriers in total, Wisconsin fields 12. Keeping the same insurer smooths the admin and changes little else, since the network is rebuilt per state.
This is the asymmetry that bites. Wisconsin has PPO plans across 15 of 72 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 Wisconsin providers for anything short of an emergency.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Indiana the Wisconsin care is the out-of-network half, and the reverse if you file from Wisconsin.
Picking between Indiana and Wisconsin on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.