Standard Silver
Silver · HMO · Ambetter Health · Indiana
At age 40 it costs between $461.38 and $655.56 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 35065IN0040001 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | 1-877-687-1182 · TTY 1-800-743-3333 |
Where it is sold, and what it costs there
92 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 |
|---|---|---|---|---|---|
| Fayette County | $361.02 | $409.75 | $461.38 | $644.77 | $979.79 |
| Hancock County | $361.02 | $409.75 | $461.38 | $644.77 | $979.79 |
| Henry County | $361.02 | $409.75 | $461.38 | $644.77 | $979.79 |
| Madison County | $361.02 | $409.75 | $461.38 | $644.77 | $979.79 |
| Union County | $361.02 | $409.75 | $461.38 | $644.77 | $979.79 |
| Wayne County | $361.02 | $409.75 | $461.38 | $644.77 | $979.79 |
| Blackford County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Dearborn County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Delaware County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Franklin County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Grant County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Jay County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Ohio County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Randolph County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Ripley County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Switzerland County | $374.44 | $424.97 | $478.52 | $668.72 | $1,016.19 |
| Clark County | $377.12 | $428.02 | $481.94 | $673.52 | $1,023.47 |
| Crawford County | $377.12 | $428.02 | $481.94 | $673.52 | $1,023.47 |
| Floyd County | $377.12 | $428.02 | $481.94 | $673.52 | $1,023.47 |
| Harrison County | $377.12 | $428.02 | $481.94 | $673.52 | $1,023.47 |
| Jefferson County | $377.12 | $428.02 | $481.94 | $673.52 | $1,023.47 |
| Scott County | $377.12 | $428.02 | $481.94 | $673.52 | $1,023.47 |
| Washington County | $377.12 | $428.02 | $481.94 | $673.52 | $1,023.47 |
| Boone County | $378.16 | $429.20 | $483.28 | $675.37 | $1,026.30 |
| Hamilton County | $378.16 | $429.20 | $483.28 | $675.37 | $1,026.30 |
| Hendricks County | $378.16 | $429.20 | $483.28 | $675.37 | $1,026.30 |
| Marion County | $378.16 | $429.20 | $483.28 | $675.37 | $1,026.30 |
| Morgan County | $378.16 | $429.20 | $483.28 | $675.37 | $1,026.30 |
| Shelby County | $378.16 | $429.20 | $483.28 | $675.37 | $1,026.30 |
| Daviess County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Dubois County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Greene County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Knox County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Martin County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Orange County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Perry County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Pike County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Spencer County | $394.98 | $448.29 | $504.77 | $705.41 | $1,071.94 |
| Clay County | $403.94 | $458.46 | $516.23 | $721.42 | $1,096.27 |
| Parke County | $403.94 | $458.46 | $516.23 | $721.42 | $1,096.27 |
| Sullivan County | $403.94 | $458.46 | $516.23 | $721.42 | $1,096.27 |
| Vermillion County | $403.94 | $458.46 | $516.23 | $721.42 | $1,096.27 |
| Vigo County | $403.94 | $458.46 | $516.23 | $721.42 | $1,096.27 |
| Bartholomew County | $411.07 | $466.55 | $525.33 | $734.15 | $1,115.62 |
| Decatur County | $411.07 | $466.55 | $525.33 | $734.15 | $1,115.62 |
| Jackson County | $411.07 | $466.55 | $525.33 | $734.15 | $1,115.62 |
| Jennings County | $411.07 | $466.55 | $525.33 | $734.15 | $1,115.62 |
| Rush County | $411.07 | $466.55 | $525.33 | $734.15 | $1,115.62 |
| Adams County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Dekalb County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Huntington County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Lagrange County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Noble County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Steuben County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Wabash County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Wells County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Whitley County | $411.95 | $467.55 | $526.46 | $735.73 | $1,118.01 |
| Allen County | $414.63 | $470.60 | $529.89 | $740.52 | $1,125.29 |
| Elkhart County | $414.63 | $470.60 | $529.89 | $740.52 | $1,125.29 |
| Kosciusko County | $414.63 | $470.60 | $529.89 | $740.52 | $1,125.29 |
| Marshall County | $414.63 | $470.60 | $529.89 | $740.52 | $1,125.29 |
| St. Joseph County | $414.63 | $470.60 | $529.89 | $740.52 | $1,125.29 |
| Starke County | $414.63 | $470.60 | $529.89 | $740.52 | $1,125.29 |
| Brown County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Cass County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Fulton County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Howard County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Johnson County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Lawrence County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Miami County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Monroe County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Owen County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Pulaski County | $449.51 | $510.18 | $574.46 | $802.80 | $1,219.93 |
| Gibson County | $461.12 | $523.36 | $589.29 | $823.54 | $1,251.44 |
| Posey County | $461.12 | $523.36 | $589.29 | $823.54 | $1,251.44 |
| Vanderburgh County | $461.12 | $523.36 | $589.29 | $823.54 | $1,251.44 |
| Warrick County | $461.12 | $523.36 | $589.29 | $823.54 | $1,251.44 |
| LaPorte County | $478.97 | $543.62 | $612.11 | $855.43 | $1,299.90 |
| Lake County | $478.97 | $543.62 | $612.11 | $855.43 | $1,299.90 |
| Porter County | $478.97 | $543.62 | $612.11 | $855.43 | $1,299.90 |
| Carroll County | $493.27 | $559.85 | $630.38 | $880.95 | $1,338.70 |
| Clinton County | $493.27 | $559.85 | $630.38 | $880.95 | $1,338.70 |
| Fountain County | $493.27 | $559.85 | $630.38 | $880.95 | $1,338.70 |
| Montgomery County | $493.27 | $559.85 | $630.38 | $880.95 | $1,338.70 |
| Putnam County | $493.27 | $559.85 | $630.38 | $880.95 | $1,338.70 |
| Tippecanoe County | $493.27 | $559.85 | $630.38 | $880.95 | $1,338.70 |
| Tipton County | $493.27 | $559.85 | $630.38 | $880.95 | $1,338.70 |
| Benton County | $512.96 | $582.20 | $655.56 | $916.14 | $1,392.16 |
| Jasper County | $512.96 | $582.20 | $655.56 | $916.14 | $1,392.16 |
| Newton County | $512.96 | $582.20 | $655.56 | $916.14 | $1,392.16 |
| Warren County | $512.96 | $582.20 | $655.56 | $916.14 | $1,392.16 |
| White County | $512.96 | $582.20 | $655.56 | $916.14 | $1,392.16 |
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.