Health insurance prices in Clay County, IN (2026)
47 marketplace plans from 3 insurers. Cheapest plan $425/mo; typical Silver $604/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 9.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $425–$592 (typical $460) · Silver $497–$699 (typical $604) · Gold $637–$1,078 (typical $811) · Platinum $1,312–$1,317 (typical $1,315) · Catastrophic $421–$421 (typical $421)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield (IN)Elevance Health (Blue Cross Blue Shield company) | 15 | $425 | $450 | $505 | $811 | Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Ambetter (Centene) | 10 | $516 Silver | no Bronze | $525 | $673 | Standard Silver | |
| CareSource | 22 | $549 | $565 | $693 | $992 | Low Premium Bronze 10600 $25 Generic Drugs |
All 47 plans in Clay County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield (IN) | Anthem Catastrophic Essential (+ Incentives) | Catastrophic | HMO | $421 | $10,600 | $10,600 | $15,656 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | HMO | $425 | $10,150 | $10,150 | $15,247 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | HMO | $434 | $10,150 | $10,150 | $15,354 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $442 | $5,500 | $10,150 | $15,457 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $450 | $4,500 | $10,150 | $15,549 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Bronze Essential 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $453 | $7,500 | $10,000 | $15,432 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Bronze Essential POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | POS | $453 | $7,500 | $10,000 | $15,432 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Bronze Essential 6500 HSA (+ Incentives) | Expanded Bronze | HMO | $467 | $6,500 | $8,450 | $14,054 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $497 | $7,000 | $8,850 | $14,817 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $504 | $6,000 | $8,900 | $14,950 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $505 | $4,500 | $8,800 | $14,863 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $506 | $7,000 | $8,850 | $14,923 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $516 | $6,000 | $8,900 | $15,095 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $521 | $6,300 | $8,400 | $14,650 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Silver Essential 3500 HSA (+ Incentives) | Silver | HMO | $523 | $3,500 | $8,450 | $14,729 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $530 | $6,000 | $8,900 | $15,258 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $535 | $6,300 | $8,400 | $14,815 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs | Expanded Bronze | HMO | $549 | $10,600 | $10,600 | $17,191 | |
| CareSource | Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $554 | $10,600 | $10,600 | $17,247 | |
| CareSource | Bronze 7500 $25 Generic Drugs | Expanded Bronze | HMO | $565 | $7,500 | $10,000 | $16,784 | |
| CareSource | Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness | Expanded Bronze | HMO | $570 | $7,500 | $10,000 | $16,842 | |
| CareSource | HSA Eligible Bronze 6000 | Expanded Bronze | HMO | $592 | $6,000 | $7,250 | $14,356 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $637 | $2,000 | $8,200 | $15,847 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $654 | $2,000 | $8,200 | $16,049 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $664 | $1,450 | $7,500 | $15,467 | |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs | Silver | HMO | $674 | $6,200 | $9,800 | $17,887 | |
| CareSource | Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness | Silver | HMO | $679 | $6,200 | $9,800 | $17,943 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $681 | $1,450 | $7,500 | $15,677 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $690 | $5,000 | $9,500 | $17,783 | |
| CareSource | Silver 6000 $20 Generic Drugs | Silver | HMO | $693 | $6,000 | $8,900 | $17,214 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services | Silver | HMO | $693 | $5,000 | $9,500 | $17,818 | |
| CareSource | Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $695 | $5,000 | $9,500 | $17,839 | |
| CareSource | Silver 6000 $20 Generic Drugs + Adult Vision & Fitness | Silver | HMO | $697 | $6,000 | $8,900 | $17,269 | |
| CareSource | Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Silver | HMO | $698 | $5,000 | $9,500 | $17,876 | |
| CareSource | HDHP Preventive Silver 5500 $0 Chronic Care Drugs | Silver | HMO | $699 | $5,500 | $5,500 | $13,886 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $717 | $0 | $6,500 | $15,104 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $736 | $0 | $6,500 | $15,330 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Gold Essential 2200 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $804 | $2,200 | $4,700 | $14,347 | |
| Anthem Blue Cross Blue Shield (IN) | Anthem Gold Essential 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $819 | $2,000 | $8,200 | $18,022 | |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services | Gold | HMO | $985 | $3,000 | $8,500 | $20,315 | |
| CareSource | Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | HMO | $989 | $3,000 | $8,500 | $20,371 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services | Gold | HMO | $990 | $3,000 | $8,500 | $20,375 | |
| CareSource | Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | Gold | HMO | $994 | $3,000 | $8,500 | $20,432 | |
| CareSource | Gold 2000 $15 Generic Drugs | Gold | HMO | $1,073 | $2,000 | $8,200 | $21,076 | |
| CareSource | Gold 2000 $15 Generic Drugs + Adult Vision & Fitness | Gold | HMO | $1,078 | $2,000 | $8,200 | $21,133 | |
| CareSource | Platinum Zero $5 Generic Drugs | Platinum | HMO | $1,312 | $0 | $5,200 | $20,948 | |
| CareSource | Platinum Zero $5 Generic Drugs + Adult Vision & Fitness | Platinum | HMO | $1,317 | $0 | $5,200 | $21,004 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $425 | $460 | $592 | 12 | $7,500 | $10,075 | $15,444 |
| Silver | $497 | $604 | $699 | 18 | $6,000 | $8,900 | $15,176 |
| Gold | $637 | $811 | $1,078 | 14 | $2,000 | $8,200 | $17,035 |
| Platinum | $1,312 | $1,315 | $1,317 | 2 | $0 | $5,200 | $20,976 |
| CatastrophicUnder 30 or hardship exemption only | $421 | $421 | $421 | 1 | $10,600 | $10,600 | $15,656 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.