What health insurance costs without a subsidy in Wayne County, Indiana (2026)
In Wayne County, Indiana, the benchmark silver plan costs $461.38/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $387.50 to $1186.66. A 60-year-old pays at least $822.91/month, a 21-year-old at least $303.21. 3 insurers offer 47 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $303.21/mo
- Age 40 — starting at $387.50/mo
- Age 60 — starting at $822.91/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $390.60/mo
- Silver — starting at $457.31/mo
- Gold — starting at $569.54/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter Health, Anthem Blue Cross and Blue Shield, CareSource
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Wayne County (FIPS 18177).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Indiana
- Adams County — $515.75/mo benchmark
- Dekalb County — $515.75/mo benchmark
- Huntington County — $515.75/mo benchmark
- Lagrange County — $515.75/mo benchmark
- Noble County — $515.75/mo benchmark
Plans available in this county (47)
- Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Bronze · $390.60/mo @ 40
- Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Bronze · $398.85/mo @ 40
- Anthem Catastrophic Essential (+ Incentives) — Catastrophic · $387.50/mo @ 40
- Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $406.70/mo @ 40
- Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $413.79/mo @ 40
- Anthem Bronze Essential 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $416.26/mo @ 40
- Anthem Bronze Essential POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $416.26/mo @ 40
- Anthem Bronze Essential 6500 HSA (+ Incentives) — Expanded Bronze · $429.48/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs — Expanded Bronze · $494.84/mo @ 40
- Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze · $499.08/mo @ 40
- Bronze 7500 $25 Generic Drugs — Expanded Bronze · $509.34/mo @ 40
- Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness — Expanded Bronze · $513.70/mo @ 40
- HSA Eligible Bronze 6000 — Expanded Bronze · $533.54/mo @ 40
- Standard Gold — Gold · $569.54/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $584.55/mo @ 40
- Complete Gold — Gold · $593.38/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $609.02/mo @ 40
- Elite Gold — Gold · $640.79/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $657.68/mo @ 40
- Anthem Gold Essential 2200 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $739.34/mo @ 40
- Anthem Gold Essential 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $752.75/mo @ 40
- Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services — Gold · $887.09/mo @ 40
- Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Gold · $891.36/mo @ 40
- Diabetes Gold 3000 $0 Chronic Care Drugs & Services — Gold · $891.66/mo @ 40
- Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — Gold · $895.92/mo @ 40
- Gold 2000 $15 Generic Drugs — Gold · $966.81/mo @ 40
- Gold 2000 $15 Generic Drugs + Adult Vision & Fitness — Gold · $971.07/mo @ 40
- Platinum Zero $5 Generic Drugs — Platinum · $1182.40/mo @ 40
- Platinum Zero $5 Generic Drugs + Adult Vision & Fitness — Platinum · $1186.66/mo @ 40
- Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $457.31/mo @ 40
- Standard Silver — Silver · $461.38/mo @ 40
- Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $463.67/mo @ 40
- Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $464.66/mo @ 40
- Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $465.42/mo @ 40
- Focused Silver — Silver · $465.48/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $473.54/mo @ 40
- Focused Silver + Vision + Adult Dental — Silver · $477.75/mo @ 40
- Anthem Silver Essential 3500 HSA (+ Incentives) — Silver · $481.17/mo @ 40
- Low Premium Silver 6200 $3 Generic Drugs — Silver · $607.19/mo @ 40
- Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness — Silver · $611.39/mo @ 40
Showing first 40 of 47 plans on file.
Reviewed by Jason Burns, Editorial Steward.