Ranked 1 of 15 states · median $558/mo · CMS PY2026
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A 40-year-old electrician in Indiana pays a median $558/month for a Silver plan before subsidies — the cheapest of the states covered here. The cheapest plan in the state is $440 from Anthem Blue Cross and Blue Shield in Daviess. On highest out-of-pocket maximum, Indiana ranks 4 of 15 for this occupation.
For work with real injury exposure the premium is the wrong headline number. What decides a bad year is the annual out-of-pocket maximum — the ceiling you stop paying at. A fall, a fracture, an imaging series and a course of physical therapy will reach that ceiling on any metal tier, so the states below are ordered by worst-case exposure.
Occupational context: Arc flash and electrocution risk; falls; confined-space work.
Worth being clear about what this does and does not affect: a carrier in Indiana cannot ask what you do for a living, cannot charge a electrician more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a electrician in one Indiana county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Posey | $463 | Anthem Blue Cross and Blue Shield | $7,000 | 4 |
| Switzerland | $465 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Bartholomew | $474 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Lawrence | $474 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Jefferson | $482 | Ambetter Health | $6,000 | 2 |
| Fulton | $493 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
The spread across just these six is $30/month — $363 a year for the same metal tier. Statewide the range runs $440 to $699. Coverage by County publishes all 92 Indiana counties individually.
| Indiana — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $4,700 |
| Highest annual out-of-pocket maximum | $10,600 |
| Cheapest Gold plan @40 | $570 — Ambetter Health |
| Gold deductible | $2,000 |
| Cheapest Silver @40 | $440 — Anthem Blue Cross and Blue Shield |
| Cheapest Silver @50 | $615 |
For a electrician, the gap between $4,700 and $10,600 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 4,429 plan records across 92 Indiana counties. Full-price filed rates before premium tax credits — verify at enrollment.
Nothing on this list is cheaper. More expensive: Ohio ($625), South Carolina ($636), Alabama ($680).
Side-by-side: Indiana vs Ohio · Indiana vs South Carolina
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a electrician who moved this year, that move is a qualifying life event and opens a special enrollment period.
Deduction categories that generally fit this trade: Tools, van, licensing, liability insurance, materials. Note the ordering problem with health premiums: the §162(l) deduction lowers your AGI, and your AGI is what sets your premium tax credit, so the two calculate against each other. That is a CPA conversation and worth having before you enroll, not after.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Indiana is $440 per month from Anthem Blue Cross and Blue Shield, with a state median of $558. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
No. Only EPO and HMO and POS plans were filed for 2026.
Indiana ranks 1 of 15 states covered here, at a median $558 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation sits above the cliff in 7 of the 21 states reported and below it in the other 14, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Electricians (SOC 47-2111) in Indiana. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed electrician. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
This page compares states. For Indiana specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Electricians in Indiana and a blog covering deductibles, subsidies and special enrollment.
One of Indiana’s 5 carriers is leaving. Cigna exits the individual market entirely on January 1, 2027, so if you are an electrician covered by them the question is not whether you switch but whether you choose the switch yourself.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Indiana rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Indiana regardless of how the current litigation over the enrollment window resolves.
One thing 2027 will not fix: no PPO is sold anywhere in Indiana. All 92 counties offer HMO, EPO or POS only, so care outside the network is effectively emergency-only. If your work as an electrician crosses county lines, weigh that above the premium.
You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made in August than in the second week of December.
Give me a ZIP and I will tell you three things:
Two Electricians on opposite sides of Indiana can be quoted very different premiums for the same plan. Your ZIP is what decides it.