Anthem Silver Essential 3500 HSA (+ Incentives)
Silver · HMO · Anthem Blue Cross and Blue Shield · Indiana
At age 40 it costs between $462.97 and $535.20 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 | $3,500 | $8,450 | 15% Coinsurance after deductible | $3 Copay after deductible |
| up to 150% of the federal poverty level | $200 | $1,100 | 15% Coinsurance after deductible | $3 Copay after deductible |
| 150% to 200% | $700 | $3,350 | 15% Coinsurance after deductible | $3 Copay after deductible |
| 200% to 250% | $2,950 | $6,800 | 15% Coinsurance after deductible | $3 Copay after deductible |
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 | 17575IN0990013 |
|---|---|
| Insurer | Anthem Blue Cross and Blue Shield |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,450 |
| Family maximum | $16,900 |
| Primary care visit | 15% Coinsurance after deductible |
| Specialist visit | 15% Coinsurance after deductible |
| Emergency room | $300 Copay after deductible and 15% Coinsurance after deductible |
| Inpatient stay | $500 Copay per Stay after deductible and 50% Coinsurance after deductible |
| Generic drugs | $3 Copay after deductible |
| Preferred brand drugs | $40 Copay after deductible |
| 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 | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Dubois County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Greene County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Knox County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Martin County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Orange County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Perry County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Pike County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Spencer County | $362.26 | $411.17 | $462.97 | $647 | $983.17 |
| Elkhart County | $372.45 | $422.73 | $475.99 | $665.20 | $1,010.83 |
| Kosciusko County | $372.45 | $422.73 | $475.99 | $665.20 | $1,010.83 |
| Marshall County | $372.45 | $422.73 | $475.99 | $665.20 | $1,010.83 |
| St. Joseph County | $372.45 | $422.73 | $475.99 | $665.20 | $1,010.83 |
| Starke County | $372.45 | $422.73 | $475.99 | $665.20 | $1,010.83 |
| Carroll County | $374 | $424.49 | $477.97 | $667.96 | $1,015.04 |
| Clinton County | $374 | $424.49 | $477.97 | $667.96 | $1,015.04 |
| Fountain County | $374 | $424.49 | $477.97 | $667.96 | $1,015.04 |
| Montgomery County | $374 | $424.49 | $477.97 | $667.96 | $1,015.04 |
| Putnam County | $374 | $424.49 | $477.97 | $667.96 | $1,015.04 |
| Tippecanoe County | $374 | $424.49 | $477.97 | $667.96 | $1,015.04 |
| Tipton County | $374 | $424.49 | $477.97 | $667.96 | $1,015.04 |
| Blackford County | $376.42 | $427.24 | $481.06 | $672.29 | $1,021.60 |
| Delaware County | $376.42 | $427.24 | $481.06 | $672.29 | $1,021.60 |
| Grant County | $376.42 | $427.24 | $481.06 | $672.29 | $1,021.60 |
| Jay County | $376.42 | $427.24 | $481.06 | $672.29 | $1,021.60 |
| Randolph County | $376.42 | $427.24 | $481.06 | $672.29 | $1,021.60 |
| Fayette County | $376.50 | $427.33 | $481.17 | $672.43 | $1,021.82 |
| Hancock County | $376.50 | $427.33 | $481.17 | $672.43 | $1,021.82 |
| Henry County | $376.50 | $427.33 | $481.17 | $672.43 | $1,021.82 |
| Madison County | $376.50 | $427.33 | $481.17 | $672.43 | $1,021.82 |
| Union County | $376.50 | $427.33 | $481.17 | $672.43 | $1,021.82 |
| Wayne County | $376.50 | $427.33 | $481.17 | $672.43 | $1,021.82 |
| Benton County | $378.53 | $429.63 | $483.76 | $676.05 | $1,027.33 |
| Jasper County | $378.53 | $429.63 | $483.76 | $676.05 | $1,027.33 |
| Newton County | $378.53 | $429.63 | $483.76 | $676.05 | $1,027.33 |
| Warren County | $378.53 | $429.63 | $483.76 | $676.05 | $1,027.33 |
| White County | $378.53 | $429.63 | $483.76 | $676.05 | $1,027.33 |
| Gibson County | $381.35 | $432.83 | $487.37 | $681.09 | $1,034.98 |
| Posey County | $381.35 | $432.83 | $487.37 | $681.09 | $1,034.98 |
| Vanderburgh County | $381.35 | $432.83 | $487.37 | $681.09 | $1,034.98 |
| Warrick County | $381.35 | $432.83 | $487.37 | $681.09 | $1,034.98 |
| Dearborn County | $382.67 | $434.33 | $489.05 | $683.45 | $1,038.57 |
| Franklin County | $382.67 | $434.33 | $489.05 | $683.45 | $1,038.57 |
| Ohio County | $382.67 | $434.33 | $489.05 | $683.45 | $1,038.57 |
| Ripley County | $382.67 | $434.33 | $489.05 | $683.45 | $1,038.57 |
| Switzerland County | $382.67 | $434.33 | $489.05 | $683.45 | $1,038.57 |
| Boone County | $386.17 | $438.30 | $493.53 | $689.70 | $1,048.07 |
| Hamilton County | $386.17 | $438.30 | $493.53 | $689.70 | $1,048.07 |
| Hendricks County | $386.17 | $438.30 | $493.53 | $689.70 | $1,048.07 |
| Marion County | $386.17 | $438.30 | $493.53 | $689.70 | $1,048.07 |
| Morgan County | $386.17 | $438.30 | $493.53 | $689.70 | $1,048.07 |
| Shelby County | $386.17 | $438.30 | $493.53 | $689.70 | $1,048.07 |
| Bartholomew County | $390.26 | $442.95 | $498.75 | $697 | $1,059.17 |
| Decatur County | $390.26 | $442.95 | $498.75 | $697 | $1,059.17 |
| Jackson County | $390.26 | $442.95 | $498.75 | $697 | $1,059.17 |
| Jennings County | $390.26 | $442.95 | $498.75 | $697 | $1,059.17 |
| Rush County | $390.26 | $442.95 | $498.75 | $697 | $1,059.17 |
| Brown County | $390.54 | $443.26 | $499.11 | $697.50 | $1,059.93 |
| Johnson County | $390.54 | $443.26 | $499.11 | $697.50 | $1,059.93 |
| Lawrence County | $390.54 | $443.26 | $499.11 | $697.50 | $1,059.93 |
| Monroe County | $390.54 | $443.26 | $499.11 | $697.50 | $1,059.93 |
| Owen County | $390.54 | $443.26 | $499.11 | $697.50 | $1,059.93 |
| LaPorte County | $405.34 | $460.06 | $518.02 | $723.94 | $1,100.09 |
| Lake County | $405.34 | $460.06 | $518.02 | $723.94 | $1,100.09 |
| Porter County | $405.34 | $460.06 | $518.02 | $723.94 | $1,100.09 |
| Cass County | $406.29 | $461.14 | $519.24 | $725.63 | $1,102.67 |
| Fulton County | $406.29 | $461.14 | $519.24 | $725.63 | $1,102.67 |
| Howard County | $406.29 | $461.14 | $519.24 | $725.63 | $1,102.67 |
| Miami County | $406.29 | $461.14 | $519.24 | $725.63 | $1,102.67 |
| Pulaski County | $406.29 | $461.14 | $519.24 | $725.63 | $1,102.67 |
| Clay County | $409.40 | $464.67 | $523.21 | $731.19 | $1,111.11 |
| Parke County | $409.40 | $464.67 | $523.21 | $731.19 | $1,111.11 |
| Sullivan County | $409.40 | $464.67 | $523.21 | $731.19 | $1,111.11 |
| Vermillion County | $409.40 | $464.67 | $523.21 | $731.19 | $1,111.11 |
| Vigo County | $409.40 | $464.67 | $523.21 | $731.19 | $1,111.11 |
| Allen County | $416.63 | $472.88 | $532.45 | $744.10 | $1,130.73 |
| Adams County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Dekalb County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Huntington County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Lagrange County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Noble County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Steuben County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Wabash County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Wells County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
| Whitley County | $418.78 | $475.32 | $535.20 | $747.94 | $1,136.57 |
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.