Ranked 1 of 15 states · median $558/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old online course creator 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 cheapest Silver at age 27, Indiana ranks 2 of 15 for this occupation.
Desk work usually means low claim volume, and low claim volume changes the math: a high-deductible plan paired with an HSA lets you fund the deductible with pre-tax dollars and keep whatever you do not spend. In most years that beats paying a Silver premium for benefits you never touch.
Occupational context: Sedentary and sustained screen exposure.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Indiana carriers rate on age, ZIP, tobacco and family size, full stop. A online course creator with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a online course creator 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 |
|---|---|---|---|---|
| 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 |
| Clinton | $454 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Delaware | $457 | 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 — the age curve | 2026 |
|---|---|
| Cheapest Silver @27 | $361 |
| Cheapest Silver @40 | $440 |
| Cheapest Silver @60 | $934 |
| Cheapest Bronze @40 | $376 — Anthem Blue Cross and Blue Shield |
| Bronze deductible | $10,150 |
| Lowest deductible in state | $1,450 |
A 27-year-old online course creator in Indiana starts at $361; the same plan class at 60 starts at $934 — roughly 2.6× as much. If a Bronze plan here is HSA-qualified, the deduction plus low claim volume usually beats Silver on total annual cost. Confirm HSA eligibility on the plan document, not the metal tier.
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 online course creator 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: Recording gear, hosting platform, software, home office. 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.
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.
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 Online Course Creators in Indiana and a blog covering deductibles, subsidies and special enrollment.