Ranked 1 of 15 states · median $558/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old flooring contractor 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.
Injury exposure means the number that matters is the out-of-pocket maximum, not the premium. A single ER visit and follow-up can hit that ceiling in one month, so these pages rank states by worst-case annual exposure rather than by monthly cost.
Occupational context: Knee and back injury; adhesive and dust inhalation.
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 flooring contractor 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 flooring contractor 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 |
|---|---|---|---|---|
| Harrison | $482 | Ambetter Health | $6,000 | 2 |
| Cass | $493 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Sullivan | $497 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Lagrange | $509 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Dubois | $440 | Anthem Blue Cross and Blue Shield | $7,000 | 4 |
| Spencer | $440 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
The spread across just these six is $69/month — $824 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 | $0 |
| Highest annual out-of-pocket maximum | $0 |
| 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 flooring contractor, the gap between $0 and $0 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
A caveat on the table above: rating is by residence, not by job site. A flooring contractor living in Indiana and working across a state line still buys Indiana plans. A genuine permanent move does trigger a special enrollment period, but the plan year restarts with a fresh deductible.
Expense categories that typically apply to this trade: Tools, van, materials, knee protection, liability insurance. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
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.
It cannot happen on an exchange plan. Rating in Indiana uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
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.
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 Flooring Contractors in Indiana and a blog covering deductibles, subsidies and special enrollment.