Standard Gold
Gold · HMO · Ambetter Health · Indiana
At age 40 it costs between $569.54 and $809.24 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 35065IN0040013 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $445.66 | $505.81 | $569.54 | $795.93 | $1,209.49 |
| Hancock County | $445.66 | $505.81 | $569.54 | $795.93 | $1,209.49 |
| Henry County | $445.66 | $505.81 | $569.54 | $795.93 | $1,209.49 |
| Madison County | $445.66 | $505.81 | $569.54 | $795.93 | $1,209.49 |
| Union County | $445.66 | $505.81 | $569.54 | $795.93 | $1,209.49 |
| Wayne County | $445.66 | $505.81 | $569.54 | $795.93 | $1,209.49 |
| Blackford County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Dearborn County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Delaware County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Franklin County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Grant County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Jay County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Ohio County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Randolph County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Ripley County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Switzerland County | $462.22 | $524.60 | $590.70 | $825.50 | $1,254.43 |
| Clark County | $465.53 | $528.36 | $594.93 | $831.42 | $1,263.42 |
| Crawford County | $465.53 | $528.36 | $594.93 | $831.42 | $1,263.42 |
| Floyd County | $465.53 | $528.36 | $594.93 | $831.42 | $1,263.42 |
| Harrison County | $465.53 | $528.36 | $594.93 | $831.42 | $1,263.42 |
| Jefferson County | $465.53 | $528.36 | $594.93 | $831.42 | $1,263.42 |
| Scott County | $465.53 | $528.36 | $594.93 | $831.42 | $1,263.42 |
| Washington County | $465.53 | $528.36 | $594.93 | $831.42 | $1,263.42 |
| Boone County | $466.81 | $529.82 | $596.57 | $833.71 | $1,266.90 |
| Hamilton County | $466.81 | $529.82 | $596.57 | $833.71 | $1,266.90 |
| Hendricks County | $466.81 | $529.82 | $596.57 | $833.71 | $1,266.90 |
| Marion County | $466.81 | $529.82 | $596.57 | $833.71 | $1,266.90 |
| Morgan County | $466.81 | $529.82 | $596.57 | $833.71 | $1,266.90 |
| Shelby County | $466.81 | $529.82 | $596.57 | $833.71 | $1,266.90 |
| Daviess County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Dubois County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Greene County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Knox County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Martin County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Orange County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Perry County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Pike County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Spencer County | $487.57 | $553.38 | $623.10 | $870.78 | $1,323.24 |
| Clay County | $498.64 | $565.95 | $637.25 | $890.56 | $1,353.29 |
| Parke County | $498.64 | $565.95 | $637.25 | $890.56 | $1,353.29 |
| Sullivan County | $498.64 | $565.95 | $637.25 | $890.56 | $1,353.29 |
| Vermillion County | $498.64 | $565.95 | $637.25 | $890.56 | $1,353.29 |
| Vigo County | $498.64 | $565.95 | $637.25 | $890.56 | $1,353.29 |
| Bartholomew County | $507.44 | $575.93 | $648.49 | $906.27 | $1,377.16 |
| Decatur County | $507.44 | $575.93 | $648.49 | $906.27 | $1,377.16 |
| Jackson County | $507.44 | $575.93 | $648.49 | $906.27 | $1,377.16 |
| Jennings County | $507.44 | $575.93 | $648.49 | $906.27 | $1,377.16 |
| Rush County | $507.44 | $575.93 | $648.49 | $906.27 | $1,377.16 |
| Adams County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Dekalb County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Huntington County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Lagrange County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Noble County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Steuben County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Wabash County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Wells County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Whitley County | $508.53 | $577.17 | $649.88 | $908.21 | $1,380.11 |
| Allen County | $511.84 | $580.92 | $654.12 | $914.12 | $1,389.10 |
| Elkhart County | $511.84 | $580.92 | $654.12 | $914.12 | $1,389.10 |
| Kosciusko County | $511.84 | $580.92 | $654.12 | $914.12 | $1,389.10 |
| Marshall County | $511.84 | $580.92 | $654.12 | $914.12 | $1,389.10 |
| St. Joseph County | $511.84 | $580.92 | $654.12 | $914.12 | $1,389.10 |
| Starke County | $511.84 | $580.92 | $654.12 | $914.12 | $1,389.10 |
| Brown County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Cass County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Fulton County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Howard County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Johnson County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Lawrence County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Miami County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Monroe County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Owen County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Pulaski County | $554.89 | $629.78 | $709.13 | $991.01 | $1,505.93 |
| Gibson County | $569.22 | $646.05 | $727.45 | $1,016.61 | $1,544.83 |
| Posey County | $569.22 | $646.05 | $727.45 | $1,016.61 | $1,544.83 |
| Vanderburgh County | $569.22 | $646.05 | $727.45 | $1,016.61 | $1,544.83 |
| Warrick County | $569.22 | $646.05 | $727.45 | $1,016.61 | $1,544.83 |
| LaPorte County | $591.26 | $671.07 | $755.62 | $1,055.97 | $1,604.66 |
| Lake County | $591.26 | $671.07 | $755.62 | $1,055.97 | $1,604.66 |
| Porter County | $591.26 | $671.07 | $755.62 | $1,055.97 | $1,604.66 |
| Carroll County | $608.91 | $691.10 | $778.17 | $1,087.49 | $1,652.54 |
| Clinton County | $608.91 | $691.10 | $778.17 | $1,087.49 | $1,652.54 |
| Fountain County | $608.91 | $691.10 | $778.17 | $1,087.49 | $1,652.54 |
| Montgomery County | $608.91 | $691.10 | $778.17 | $1,087.49 | $1,652.54 |
| Putnam County | $608.91 | $691.10 | $778.17 | $1,087.49 | $1,652.54 |
| Tippecanoe County | $608.91 | $691.10 | $778.17 | $1,087.49 | $1,652.54 |
| Tipton County | $608.91 | $691.10 | $778.17 | $1,087.49 | $1,652.54 |
| Benton County | $633.22 | $718.70 | $809.24 | $1,130.92 | $1,718.54 |
| Jasper County | $633.22 | $718.70 | $809.24 | $1,130.92 | $1,718.54 |
| Newton County | $633.22 | $718.70 | $809.24 | $1,130.92 | $1,718.54 |
| Warren County | $633.22 | $718.70 | $809.24 | $1,130.92 | $1,718.54 |
| White County | $633.22 | $718.70 | $809.24 | $1,130.92 | $1,718.54 |
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.