Benchmark $474/mo · ranked 3 of 21 · median wage $72,370
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The benchmark premium for a 40-year-old in Indiana is $474 a month for 2026, ranking 3 of 21 states published here. BLS reports a median annual wage of $72,370 for Operating Engineers and Other Construction Equipment Operators in Indiana.
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 4 of the 21 states reported and below it in the other 17, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Operating Engineers and Other Construction Equipment Operators (SOC 47-2073) 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 land clearing 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.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $60,620 | below |
| 2 | Virginia | $455 | $52,240 | below |
| 3 | Indiana | $474 | $72,370 | above |
| 4 | Nevada | $497 | $72,780 | above |
| 5 | Ohio | $513 | $62,410 | below |
| 6 | Michigan | $523 | $62,550 | below |
| 7 | Colorado | $557 | $61,570 | below |
| 8 | South Carolina | $564 | $47,480 | below |
| 9 | Oklahoma | $604 | $47,190 | below |
| 10 | Wisconsin | $611 | $72,650 | above |
| 11 | Georgia | $615 | $46,380 | below |
| 12 | North Carolina | $638 | $48,910 | below |
| 13 | Utah | $640 | $59,760 | below |
| 14 | Alabama | $645 | $46,870 | below |
| 15 | Illinois | $646 | $96,980 | above |
| 16 | South Dakota | $655 | $56,720 | below |
| 17 | Texas | $661 | $49,650 | below |
| 18 | Kansas | $670 | $50,600 | below |
| 19 | Florida | $683 | $48,780 | below |
| 20 | Nebraska | $710 | $57,240 | below |
| 21 | Arkansas | $774 | $45,170 | below |
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.
← Land Clearing Contractors in all states · All trades · All occupations
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.
One of Indiana’s 5 carriers is leaving. Cigna exits the individual market entirely on January 1, 2027, so if you are a land clearing contractor 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.
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 land clearing contractor working across a wide area is the binding constraint, not price.
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:
The sticker price is rarely what Land Clearing Contractors in Indiana end up paying. Start with a ZIP and I will work out your actual number.