Ranked 1 of 15 states · median $558/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old pilates instructor 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 15 for this occupation.
When you use coverage regularly, the annual total is driven by what each visit costs and whether the clinician you already see is contracted. A plan $40 cheaper that drops your specialist is not cheaper. These rankings pair median premium with how many carriers actually file in the state.
Occupational context: Repetitive musculoskeletal strain from demonstration.
This is background for choosing a plan, not for pricing one. Since 2014 every Indiana exchange plan has been guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same filed premium whether you are a pilates instructor or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a pilates instructor 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 |
|---|---|---|---|---|
| Rush | $474 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Crawford | $482 | Ambetter Health | $6,000 | 2 |
| Lake | $492 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Clay | $497 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Dekalb | $509 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Whitley | $509 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
The spread across just these six is $35/month — $416 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 pilates instructor 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 pilates instructor who moved this year, that move is a qualifying life event and opens a special enrollment period.
If you file a Schedule C as a pilates instructor, the categories that usually show up are: Certification, studio rental, apparatus, liability insurance. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
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. Indiana exchange plans are guaranteed issue and community rated, so a pilates instructor pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
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 Pilates Instructors in Indiana and a blog covering deductibles, subsidies and special enrollment.