Focused Silver
Silver · HMO · Ambetter Health · Indiana
At age 40 it costs between $465.48 and $661.39 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 | $6,300 | $8,400 | $40 | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | $20 | $3 |
| 200% to 250% | $5,150 | $7,200 | $35 | $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 | 35065IN0040010 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $6,300 |
| Deductible (family) | $12,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,400 |
| Family maximum | $16,800 |
| Primary care visit | $40 |
| Specialist visit | $85 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% 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 | 1-877-687-1182 · 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 | $364.24 | $413.40 | $465.48 | $650.51 | $988.51 |
| Hancock County | $364.24 | $413.40 | $465.48 | $650.51 | $988.51 |
| Henry County | $364.24 | $413.40 | $465.48 | $650.51 | $988.51 |
| Madison County | $364.24 | $413.40 | $465.48 | $650.51 | $988.51 |
| Union County | $364.24 | $413.40 | $465.48 | $650.51 | $988.51 |
| Wayne County | $364.24 | $413.40 | $465.48 | $650.51 | $988.51 |
| Blackford County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Dearborn County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Delaware County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Franklin County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Grant County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Jay County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Ohio County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Randolph County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Ripley County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Switzerland County | $377.77 | $428.76 | $482.78 | $674.68 | $1,025.24 |
| Clark County | $380.48 | $431.83 | $486.23 | $679.51 | $1,032.58 |
| Crawford County | $380.48 | $431.83 | $486.23 | $679.51 | $1,032.58 |
| Floyd County | $380.48 | $431.83 | $486.23 | $679.51 | $1,032.58 |
| Harrison County | $380.48 | $431.83 | $486.23 | $679.51 | $1,032.58 |
| Jefferson County | $380.48 | $431.83 | $486.23 | $679.51 | $1,032.58 |
| Scott County | $380.48 | $431.83 | $486.23 | $679.51 | $1,032.58 |
| Washington County | $380.48 | $431.83 | $486.23 | $679.51 | $1,032.58 |
| Boone County | $381.53 | $433.02 | $487.58 | $681.39 | $1,035.43 |
| Hamilton County | $381.53 | $433.02 | $487.58 | $681.39 | $1,035.43 |
| Hendricks County | $381.53 | $433.02 | $487.58 | $681.39 | $1,035.43 |
| Marion County | $381.53 | $433.02 | $487.58 | $681.39 | $1,035.43 |
| Morgan County | $381.53 | $433.02 | $487.58 | $681.39 | $1,035.43 |
| Shelby County | $381.53 | $433.02 | $487.58 | $681.39 | $1,035.43 |
| Daviess County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Dubois County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Greene County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Knox County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Martin County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Orange County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Perry County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Pike County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Spencer County | $398.49 | $452.28 | $509.26 | $711.69 | $1,081.48 |
| Clay County | $407.54 | $462.55 | $520.82 | $727.85 | $1,106.03 |
| Parke County | $407.54 | $462.55 | $520.82 | $727.85 | $1,106.03 |
| Sullivan County | $407.54 | $462.55 | $520.82 | $727.85 | $1,106.03 |
| Vermillion County | $407.54 | $462.55 | $520.82 | $727.85 | $1,106.03 |
| Vigo County | $407.54 | $462.55 | $520.82 | $727.85 | $1,106.03 |
| Bartholomew County | $414.73 | $470.71 | $530.01 | $740.69 | $1,125.55 |
| Decatur County | $414.73 | $470.71 | $530.01 | $740.69 | $1,125.55 |
| Jackson County | $414.73 | $470.71 | $530.01 | $740.69 | $1,125.55 |
| Jennings County | $414.73 | $470.71 | $530.01 | $740.69 | $1,125.55 |
| Rush County | $414.73 | $470.71 | $530.01 | $740.69 | $1,125.55 |
| Adams County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Dekalb County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Huntington County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Lagrange County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Noble County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Steuben County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Wabash County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Wells County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Whitley County | $415.62 | $471.71 | $531.15 | $742.28 | $1,127.96 |
| Allen County | $418.32 | $474.79 | $534.61 | $747.11 | $1,135.30 |
| Elkhart County | $418.32 | $474.79 | $534.61 | $747.11 | $1,135.30 |
| Kosciusko County | $418.32 | $474.79 | $534.61 | $747.11 | $1,135.30 |
| Marshall County | $418.32 | $474.79 | $534.61 | $747.11 | $1,135.30 |
| St. Joseph County | $418.32 | $474.79 | $534.61 | $747.11 | $1,135.30 |
| Starke County | $418.32 | $474.79 | $534.61 | $747.11 | $1,135.30 |
| Brown County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Cass County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Fulton County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Howard County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Johnson County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Lawrence County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Miami County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Monroe County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Owen County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Pulaski County | $453.51 | $514.72 | $579.57 | $809.94 | $1,230.79 |
| Gibson County | $465.22 | $528.01 | $594.54 | $830.87 | $1,262.58 |
| Posey County | $465.22 | $528.01 | $594.54 | $830.87 | $1,262.58 |
| Vanderburgh County | $465.22 | $528.01 | $594.54 | $830.87 | $1,262.58 |
| Warrick County | $465.22 | $528.01 | $594.54 | $830.87 | $1,262.58 |
| LaPorte County | $483.24 | $548.46 | $617.56 | $863.04 | $1,311.48 |
| Lake County | $483.24 | $548.46 | $617.56 | $863.04 | $1,311.48 |
| Porter County | $483.24 | $548.46 | $617.56 | $863.04 | $1,311.48 |
| Carroll County | $497.66 | $564.83 | $635.99 | $888.80 | $1,350.61 |
| Clinton County | $497.66 | $564.83 | $635.99 | $888.80 | $1,350.61 |
| Fountain County | $497.66 | $564.83 | $635.99 | $888.80 | $1,350.61 |
| Montgomery County | $497.66 | $564.83 | $635.99 | $888.80 | $1,350.61 |
| Putnam County | $497.66 | $564.83 | $635.99 | $888.80 | $1,350.61 |
| Tippecanoe County | $497.66 | $564.83 | $635.99 | $888.80 | $1,350.61 |
| Tipton County | $497.66 | $564.83 | $635.99 | $888.80 | $1,350.61 |
| Benton County | $517.53 | $587.39 | $661.39 | $924.29 | $1,404.55 |
| Jasper County | $517.53 | $587.39 | $661.39 | $924.29 | $1,404.55 |
| Newton County | $517.53 | $587.39 | $661.39 | $924.29 | $1,404.55 |
| Warren County | $517.53 | $587.39 | $661.39 | $924.29 | $1,404.55 |
| White County | $517.53 | $587.39 | $661.39 | $924.29 | $1,404.55 |
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.