Ranked 1 of 17 states · median $558/mo · CMS PY2026
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A 40-year-old massage therapist 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 median Silver premium, Indiana ranks 1 of 17 for this occupation.
Patient-facing and standing work means steady, predictable utilization — regular visits, prescriptions, physical therapy. Copay structure and network breadth drive real annual cost more than the headline premium, so these pages rank states on median premium and carrier count together.
Occupational context: Chronic hand, wrist, and shoulder overuse injury.
None of that changes your price. ACA plans in Indiana are community rated — premium varies by age, ZIP code, tobacco use and household size only. Your occupation cannot be used to rate you, decline you, or exclude a condition. What it changes is which plan design is the right bet.
Premium is set by rating area, so a massage therapist 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 |
|---|---|---|---|---|
| Montgomery | $454 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Jay | $457 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Wayne | $457 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| 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 |
The spread across just these six is $20/month — $237 a year for the same metal tier. Statewide the range runs $440 to $699. Coverage by County publishes all 92 Indiana counties individually.
| Indiana — network and cost | 2026 |
|---|---|
| Median Silver premium @40 | $558 |
| Cheapest Silver @40 | $440 — Anthem Blue Cross and Blue Shield (Daviess) |
| Most expensive Silver @40 | $699 |
| Carriers filing in the state | 5 — Ambetter Health, Anthem Blue Cross and Blue Shield, CareSource, Cigna Healthcare |
| Plan types available | EPO, HMO, POS |
| Counties with only one carrier | 0 of 92 |
Indiana has 5 carriers filing and 0 of 92 counties served by a single issuer. For a massage therapist with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
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 massage therapist who moved this year, that move is a qualifying life event and opens a special enrollment period.
Expense categories that typically apply to this trade: Table, oils, room rental, licensing, 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 BLS median wage for Massage Therapists in Indiana is $52,740 a year (May 2024). Starting pay — the 10th percentile — is about $35,230. The middle half earn $39,300 to $71,480, and the top 10% more than $79,580. BLS counts about 1,240 people doing this work for an employer in Indiana. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
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 17 states covered here, at a median $558 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation is below the cliff in all 23 states reported.
What this figure is. It is the median annual wage BLS reports for Massage Therapists (SOC 31-9011) 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 massage therapist. 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 2027 the 400% FPL limit applies again, so household income above $63,840 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 Massage Therapists in Indiana and a blog covering deductibles, subsidies and special enrollment.
Indiana loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 4 filing here. For Massage Therapists that is a forced decision, and a better one made in November than in January.
Indiana has signed off on 2027: insurers were approved for an average 17.1% increase, against a national median near 15%. Your own premium will not show until 2027 plans post in late October, and it turns on your plan and county.
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.
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 a massage therapist 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 now than in the second week of December.
Enter a ZIP and a licensed agent will tell you three things:
The sticker price is rarely what Massage Therapists in Indiana end up paying. Start with a ZIP and a licensed agent will work out your actual number.
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