Junk Removal Contractors Health Insurance in Indiana (2026)

Wage benchmark and the 2026 subsidy cliff

$59,260median annual wage, Junk Removal Contractors in Indiana

379%of the federal poverty level

$62,6002026 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.

This occupation sits above the cliff in 1 of the 21 states reported and below it in the other 20, so the answer changes with the state.

What this figure is. It is the median annual wage BLS reports for Refuse and Recyclable Material Collectors (SOC 53-7081) 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 junk removal contractor. 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.

Sources

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03. The 2025 guidelines govern premium tax credit eligibility for plan year 2026 coverage. The 2026 guidelines apply to 2027 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 21 states

Benchmark premium and median wage for this occupation, ranked by premium.

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$414	$40,080	below
2	Virginia	$455	$46,080	below
3	Indiana	$474	$59,260	below
4	Nevada	$497	$65,440	above
5	Ohio	$513	$48,730	below
6	Michigan	$523	$59,290	below
7	Colorado	$557	$60,610	below
8	South Carolina	$564	$37,380	below
9	Oklahoma	$604	$36,850	below
10	Wisconsin	$611	$60,390	below
11	Georgia	$615	$43,000	below
12	North Carolina	$638	$40,500	below
13	Utah	$640	$50,720	below
14	Alabama	$645	$39,850	below
15	Illinois	$646	$61,880	below
16	South Dakota	$655	$33,030	below
17	Texas	$661	$45,710	below
18	Kansas	$670	$42,540	below
19	Florida	$683	$46,890	below
20	Nebraska	$710	$47,490	below
21	Arkansas	$774	$36,640	below

Questions

Does being a junk removal contractor change what health insurance costs in Indiana?

No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $474 a month applies regardless of trade.

Do junk removal contractors qualify for a subsidy in Indiana in 2026?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Refuse and Recyclable Material Collectors in Indiana is $59,260, which is below the 2026 cliff of $62,600 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in Indiana for 2026?

$474 a month for a 40-year-old, ranking 3 of 21 states published here. That is full price before any premium tax credit.

Where do these numbers come from?

Premiums come from the CMS Plan Year 2026 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on Indiana

This page compares states. For Indiana specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.

← Junk Removal Contractors in all states · All trades · All occupations

How Indiana compares with every other state →

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What changes for Junk Removal Contractors in Indiana in 2027

Indiana loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 4 filing here. For Junk Removal Contractors that is a forced decision, and a better one made in November than in January.

Nobody can tell you your 2027 Indiana premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.

The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Indiana and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.

There is still no PPO on the Indiana marketplace — not in any of its 92 counties. Every plan is an HMO, EPO or POS, which for a junk removal contractor working across a wide area is the binding constraint, not price.

Get a head start on 2027

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:

Whether your current plan and carrier are still writing in your county for 2027
What your income estimate should realistically be — the number your credit is calculated from, and the one junk removal contractors most often get wrong
Whether the doctors you actually use are in the 2027 network, before you are locked in

Map my 2027 options →

Health insurance for Junk Removal Contractors in Indiana, priced by your county

The sticker price is rarely what Junk Removal Contractors in Indiana end up paying. Start with a ZIP and I will work out your actual number.

One field. No account, no phone call unless you ask for one.