Ranked 1 of 15 states · median $558/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old roofer 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 highest out-of-pocket maximum, Indiana ranks 4 of 15 for this occupation.
Injury exposure means the number that matters is the out-of-pocket maximum, not the premium. A single ER visit and follow-up can hit that ceiling in one month, so these pages rank states by worst-case annual exposure rather than by monthly cost.
Occupational context: One of the highest fall-fatality rates of any US trade; heat illness.
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 roofer 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 |
|---|---|---|---|---|
| Randolph | $457 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Benton | $460 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Vanderburgh | $463 | Anthem Blue Cross and Blue Shield | $7,000 | 4 |
| Boone | $469 | Anthem Blue Cross and Blue Shield | $7,000 | 5 |
| Decatur | $474 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
| Monroe | $474 | Anthem Blue Cross and Blue Shield | $7,000 | 3 |
The spread across just these six is $17/month — $206 a year for the same metal tier. Statewide the range runs $440 to $699. Coverage by County publishes all 92 Indiana counties individually.
| Indiana — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $0 |
| Highest annual out-of-pocket maximum | $0 |
| Cheapest Gold plan @40 | $570 — Ambetter Health |
| Gold deductible | $2,000 |
| Cheapest Silver @40 | $440 — Anthem Blue Cross and Blue Shield |
| Cheapest Silver @50 | $615 |
For a roofer, the gap between $0 and $0 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
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 roofer who moved this year, that move is a qualifying life event and opens a special enrollment period.
Deduction categories that generally fit this trade: Tools, truck, fall-protection gear, liability insurance. Note the ordering problem with health premiums: the §162(l) deduction lowers your AGI, and your AGI is what sets your premium tax credit, so the two calculate against each other. That is a CPA conversation and worth having before you enroll, not after.
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 roofer 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 Roofers in Indiana and a blog covering deductibles, subsidies and special enrollment.