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Current Indiana Marketplace carriers: Anthem Ambetter CareSource
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Anthem Blue Cross and Blue Shield Plans

2026 Anthem Indiana ACA lineup at a glance

Anthem's Indiana 2026 individual-market lineup is the cleanest fit for shoppers who want a familiar carrier, multiple metal levels, and the ability to compare exchange and direct-purchase paths without changing carriers.

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2026 Plan Lineup

2026 Anthem Indiana ACA lineup at a glance

Anthem's official Indiana individual page highlights Bronze, Silver, and Gold coverage with both marketplace and off-exchange shopping. Exact 2026 plan names, provider networks, and cost sharing vary by county and quoted application, so use this table as a shortlist tool before you confirm the exact SBC.

Plan Metal Network Deductible Out-of-pocket style Primary care Specialist Urgent care Emergency room HSA Best fit
Anthem Bronze Bronze County-specific Anthem HMO lineup Highest Anthem metal-tier deductible Higher protection threshold than Gold designs Office copay varies; many listings keep $0 virtual care Varies by county SBC Varies by specific plan Deductible and coinsurance vary by SBC Some Anthem HDHP/HSA variants available Lowest monthly premium and lighter expected use
Anthem Silver Silver County-specific Anthem HMO lineup Mid-range deductible designs Usually lower than Bronze once CSR is considered More balanced day-to-day cost sharing Varies by county SBC Varies by specific plan Deductible and coinsurance vary by SBC Usually not the HSA lane Subsidy-aware shoppers and average healthcare use
Anthem Gold Gold County-specific Anthem HMO lineup Lowest Anthem metal-tier deductible Lower routine care exposure than Bronze or Silver More predictable copays for regular care Varies by county SBC Varies by specific plan Deductible and coinsurance vary by SBC No Households expecting regular care and predictable copays

Last reviewed against official carrier and marketplace materials on May 2, 2026. Availability, premiums, subsidies, networks, formularies, and exact cost sharing vary by county.

Plan Cards

Use the plan lane that matches how you expect to use coverage.

These plan cards are built to make the first comparison faster. Use them to sort by deductible tolerance, routine care expectations, subsidy fit, and whether HSA eligibility matters in your county.

Lower premium lane

Anthem Bronze

Anthem Bronze is the right starting point when you want Anthem's network and digital tools but still need to keep the monthly premium as lean as possible.

Metal level Bronze
Network Anthem HMO options vary by county
Deductible Highest deductible tier in the Anthem lineup
Out-of-pocket max Higher than richer Silver and Gold designs
Primary care Office cost share varies; many Anthem listings still feature $0 virtual care
Specialist visit Usually higher cost sharing than PCP, often with deductible or coinsurance before richer tiers kick in
Emergency room Covered as an essential benefit, but Bronze carries the most deductible and coinsurance exposure
Urgent care Usually meaningfully cheaper than ER, but plan-specific
HSA-eligible Some Anthem high-deductible variants are HSA-friendly
Best fit Lower-premium shoppers with lighter expected medical use
Most balanced lane

Anthem Silver

Anthem Silver is usually the best first shortlist for Indiana households comparing subsidy math, doctor access, and day-to-day cost sharing at the same time.

Metal level Silver
Network Anthem HMO options vary by county
Deductible Mid-range deductible designs
Out-of-pocket max Often more usable than Bronze once CSR enters the picture
Primary care Silver is usually the most balanced tier for regular office use
Specialist visit Usually easier to absorb than Bronze, especially when CSR lowers copays and coinsurance
Emergency room Plan-specific deductible and coinsurance
Urgent care Plan-specific copays and deductible treatment
HSA-eligible Usually no, unless you pivot into Anthem's HDHP lane
Best fit Average-use households and subsidy-sensitive shoppers
Lower deductible lane

Anthem Gold

Anthem Gold is built for shoppers who know they will use care regularly and would rather pay more each month to reduce deductible shock later.

Metal level Gold
Network Anthem HMO options vary by county
Deductible Lowest deductible tier in Anthem's standard lineup
Out-of-pocket max Lower routine-care exposure than Bronze or Silver
Primary care Usually more predictable copay structure
Specialist visit Typically the smoothest specialist lane in Anthem's standard lineup, with lower cost sharing than Bronze or Silver
Emergency room Still subject to ER cost sharing, but usually with less deductible shock than Bronze or Silver
Urgent care Usually easier to budget than Bronze designs
HSA-eligible No
Best fit Members with steady medical, specialist, or prescription use

Compare Closely

What to verify before you enroll.

  • Confirm your doctors and hospitals are in the specific network tied to your county and plan.
  • Compare subsidy eligibility before choosing off-exchange coverage.
  • Check how your regular prescriptions land on Anthem's formulary.

Need help deciding which Anthem Blue Cross and Blue Shield plan lane belongs in your final shortlist?

Use the Indiana quote link when you are ready to compare actual pricing, or talk with an Indiana agent first if you want help narrowing the right plan tier before you apply.

Start an Indiana quote Talk with Indiana Health Agents

Anthem is staying for 2027. Anthem filed a preliminary +15.6% for 2027 and remains in the market as CareSource and Cigna exit - one of the reasons comparing carriers matters more than ever this open enrollment.

Top 2026 Anthem plans - details and ratings

Anthem sells 2026 individual plans in 85 Indiana counties on the Pathway Essentials network as HMO and POS designs - the POS plans are the only on-exchange option in Indiana with out-of-network benefits. (The statewide Anthem PPO is off-exchange only - confirm at quote.) Anthem has the best complaint record among Indiana marketplace carriers. Figures are single, in-network, 2026.

Star ratings are seeded from public ratings and complaint data - CMS quality scores, the Indiana DOI complaint index - and adjust as visitors rate each plan.

Anthem Bronze Essential 7500 Standard

The standardized expanded-bronze design.

Metal level
Expanded Bronze
Network
Pathway Essentials
Plan type
HMO
Deductible (single)
$7,500
Out-of-pocket max (single)
$10,000
HSA-eligible
No

Rate this plan

Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.

Baseline: 3.6 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.

Cost3.0 baseline
Plan Value3.5 baseline
Customer Service3.5 baseline
Network Size4.5 baseline
Thanks - your review has been submitted.

Anthem Bronze Essential 6500 HSAHSA-Eligible

HSA-qualified bronze with a lower out-of-pocket cap.

Metal level
Bronze
Network
Pathway Essentials
Plan type
HMO
Deductible (single)
$6,500
Out-of-pocket max (single)
$8,450
HSA-eligible
Yes

Rate this plan

Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.

Baseline: 3.6 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.

Cost3.0 baseline
Plan Value3.5 baseline
Customer Service3.5 baseline
Network Size4.5 baseline
Thanks - your review has been submitted.

Anthem Bronze Essential POS 7500 StandardOut-of-Network Benefits

The only on-exchange design in Indiana with out-of-network coverage.

Metal level
Bronze
Network
Pathway Essentials
Plan type
POS
Deductible (single)
$7,500
Out-of-pocket max (single)
$10,000
HSA-eligible
No

Rate this plan

Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.

Baseline: 3.6 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.

Cost3.0 baseline
Plan Value3.5 baseline
Customer Service3.5 baseline
Network Size4.5 baseline
Thanks - your review has been submitted.

Anthem Silver Essential 6000 Standard

The standardized silver - the CSR check belongs here.

Metal level
Silver
Network
Pathway Essentials
Plan type
HMO
Deductible (single)
$6,000
Out-of-pocket max (single)
$8,900
HSA-eligible
No

Rate this plan

Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.

Baseline: 3.6 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.

Cost3.0 baseline
Plan Value3.5 baseline
Customer Service3.5 baseline
Network Size4.5 baseline
Thanks - your review has been submitted.

Anthem Gold Essential 2000 Standard

The standardized gold design.

Metal level
Gold
Network
Pathway Essentials
Plan type
HMO
Deductible (single)
$2,000
Out-of-pocket max (single)
$8,200
HSA-eligible
No

Rate this plan

Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.

Baseline: 3.6 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.

Cost3.0 baseline
Plan Value3.5 baseline
Customer Service3.5 baseline
Network Size4.5 baseline
Thanks - your review has been submitted.

We have not found enough verifiable public member commentary on Anthem in Indiana to quote fairly - your rating above genuinely helps the next shopper.

Anthem rate filing history (Indiana DOI)

Average individual-market changes filed with the Indiana Department of Insurance - not your personal premium:

Plan yearRequestedApprovedNote
2018-2020Off-exchange only after the 2018 marketplace exit
2021-0.3%Returned on-exchange (3 counties)
2022+2.8%45 counties
2023+0.5%54 counties
2025-3.1%92 counties
2026+22.6%+22.6%Approved as filed; 85 counties
2027+15.6%pendingStaying
2024 (statewide)+2.1%Final weighted
2025 (statewide)-1.3%Rates fell
2026 (statewide)+32.3%+27.2%IDOI final; enhanced-subsidy expiration
2027 (statewide)+18.9-19.3%pendingPreliminary

Sources: Indiana Department of Insurance annual Rate Watch filings and ACA Signups Indiana tables. Figures are market averages, not your personal premium; subsidies can absorb much of an increase.