Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Silver · HMO · Anthem Blue Cross and Blue Shield · Indiana
At age 40 it costs between $447.08 and $516.84 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $4,500 | $8,800 | $35 | $3 |
| up to 150% of the federal poverty level | $250 | $850 | $10 | $3 |
| 150% to 200% | $1,300 | $2,350 | $25 | $3 |
| 200% to 250% | $3,500 | $8,450 | $25 | $3 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 17575IN0990002 |
|---|---|
| Insurer | Anthem Blue Cross and Blue Shield |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $4,500 |
| Deductible (family) | $9,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,800 |
| Family maximum | $17,600 |
| Primary care visit | $35 |
| Specialist visit | $70 |
| Emergency room | $500 Copay after deductible and 35% Coinsurance after deductible |
| Inpatient stay | $500 Copay per Stay after deductible and 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $40 |
| Specialty drugs | 40% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-886-6152 |
Where it is sold, and what it costs there
85 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Daviess County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Dubois County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Greene County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Knox County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Martin County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Orange County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Perry County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Pike County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Spencer County | $349.83 | $397.06 | $447.08 | $624.80 | $949.44 |
| Elkhart County | $359.67 | $408.23 | $459.66 | $642.37 | $976.14 |
| Kosciusko County | $359.67 | $408.23 | $459.66 | $642.37 | $976.14 |
| Marshall County | $359.67 | $408.23 | $459.66 | $642.37 | $976.14 |
| St. Joseph County | $359.67 | $408.23 | $459.66 | $642.37 | $976.14 |
| Starke County | $359.67 | $408.23 | $459.66 | $642.37 | $976.14 |
| Carroll County | $361.16 | $409.92 | $461.56 | $645.03 | $980.19 |
| Clinton County | $361.16 | $409.92 | $461.56 | $645.03 | $980.19 |
| Fountain County | $361.16 | $409.92 | $461.56 | $645.03 | $980.19 |
| Montgomery County | $361.16 | $409.92 | $461.56 | $645.03 | $980.19 |
| Putnam County | $361.16 | $409.92 | $461.56 | $645.03 | $980.19 |
| Tippecanoe County | $361.16 | $409.92 | $461.56 | $645.03 | $980.19 |
| Tipton County | $361.16 | $409.92 | $461.56 | $645.03 | $980.19 |
| Blackford County | $363.51 | $412.58 | $464.57 | $649.23 | $986.57 |
| Delaware County | $363.51 | $412.58 | $464.57 | $649.23 | $986.57 |
| Grant County | $363.51 | $412.58 | $464.57 | $649.23 | $986.57 |
| Jay County | $363.51 | $412.58 | $464.57 | $649.23 | $986.57 |
| Randolph County | $363.51 | $412.58 | $464.57 | $649.23 | $986.57 |
| Fayette County | $363.58 | $412.66 | $464.66 | $649.35 | $986.76 |
| Hancock County | $363.58 | $412.66 | $464.66 | $649.35 | $986.76 |
| Henry County | $363.58 | $412.66 | $464.66 | $649.35 | $986.76 |
| Madison County | $363.58 | $412.66 | $464.66 | $649.35 | $986.76 |
| Union County | $363.58 | $412.66 | $464.66 | $649.35 | $986.76 |
| Wayne County | $363.58 | $412.66 | $464.66 | $649.35 | $986.76 |
| Benton County | $365.54 | $414.89 | $467.16 | $652.85 | $992.08 |
| Jasper County | $365.54 | $414.89 | $467.16 | $652.85 | $992.08 |
| Newton County | $365.54 | $414.89 | $467.16 | $652.85 | $992.08 |
| Warren County | $365.54 | $414.89 | $467.16 | $652.85 | $992.08 |
| White County | $365.54 | $414.89 | $467.16 | $652.85 | $992.08 |
| Gibson County | $368.27 | $417.99 | $470.65 | $657.73 | $999.48 |
| Posey County | $368.27 | $417.99 | $470.65 | $657.73 | $999.48 |
| Vanderburgh County | $368.27 | $417.99 | $470.65 | $657.73 | $999.48 |
| Warrick County | $368.27 | $417.99 | $470.65 | $657.73 | $999.48 |
| Dearborn County | $369.54 | $419.43 | $472.27 | $660 | $1,002.93 |
| Franklin County | $369.54 | $419.43 | $472.27 | $660 | $1,002.93 |
| Ohio County | $369.54 | $419.43 | $472.27 | $660 | $1,002.93 |
| Ripley County | $369.54 | $419.43 | $472.27 | $660 | $1,002.93 |
| Switzerland County | $369.54 | $419.43 | $472.27 | $660 | $1,002.93 |
| Boone County | $372.92 | $423.26 | $476.59 | $666.04 | $1,012.10 |
| Hamilton County | $372.92 | $423.26 | $476.59 | $666.04 | $1,012.10 |
| Hendricks County | $372.92 | $423.26 | $476.59 | $666.04 | $1,012.10 |
| Marion County | $372.92 | $423.26 | $476.59 | $666.04 | $1,012.10 |
| Morgan County | $372.92 | $423.26 | $476.59 | $666.04 | $1,012.10 |
| Shelby County | $372.92 | $423.26 | $476.59 | $666.04 | $1,012.10 |
| Bartholomew County | $376.87 | $427.75 | $481.64 | $673.09 | $1,022.83 |
| Decatur County | $376.87 | $427.75 | $481.64 | $673.09 | $1,022.83 |
| Jackson County | $376.87 | $427.75 | $481.64 | $673.09 | $1,022.83 |
| Jennings County | $376.87 | $427.75 | $481.64 | $673.09 | $1,022.83 |
| Rush County | $376.87 | $427.75 | $481.64 | $673.09 | $1,022.83 |
| Brown County | $377.14 | $428.05 | $481.98 | $673.57 | $1,023.56 |
| Johnson County | $377.14 | $428.05 | $481.98 | $673.57 | $1,023.56 |
| Lawrence County | $377.14 | $428.05 | $481.98 | $673.57 | $1,023.56 |
| Monroe County | $377.14 | $428.05 | $481.98 | $673.57 | $1,023.56 |
| Owen County | $377.14 | $428.05 | $481.98 | $673.57 | $1,023.56 |
| LaPorte County | $391.43 | $444.27 | $500.25 | $699.09 | $1,062.34 |
| Lake County | $391.43 | $444.27 | $500.25 | $699.09 | $1,062.34 |
| Porter County | $391.43 | $444.27 | $500.25 | $699.09 | $1,062.34 |
| Cass County | $392.35 | $445.32 | $501.42 | $700.74 | $1,064.84 |
| Fulton County | $392.35 | $445.32 | $501.42 | $700.74 | $1,064.84 |
| Howard County | $392.35 | $445.32 | $501.42 | $700.74 | $1,064.84 |
| Miami County | $392.35 | $445.32 | $501.42 | $700.74 | $1,064.84 |
| Pulaski County | $392.35 | $445.32 | $501.42 | $700.74 | $1,064.84 |
| Clay County | $395.35 | $448.72 | $505.26 | $706.10 | $1,072.98 |
| Parke County | $395.35 | $448.72 | $505.26 | $706.10 | $1,072.98 |
| Sullivan County | $395.35 | $448.72 | $505.26 | $706.10 | $1,072.98 |
| Vermillion County | $395.35 | $448.72 | $505.26 | $706.10 | $1,072.98 |
| Vigo County | $395.35 | $448.72 | $505.26 | $706.10 | $1,072.98 |
| Allen County | $402.34 | $456.66 | $514.19 | $718.58 | $1,091.95 |
| Adams County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Dekalb County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Huntington County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Lagrange County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Noble County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Steuben County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Wabash County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Wells County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
| Whitley County | $404.41 | $459.01 | $516.84 | $722.28 | $1,097.57 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.