Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Clay County, Indiana (2026)
Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) (17575IN0990002), a silver plan from Anthem Blue Cross and Blue Shield in Clay County, Indiana, costs $505.26/month full price for a 40-year-old in 2026 — $1072.98 at 60, with a $4,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 17575IN0990002 · Issuer: Anthem Blue Cross and Blue Shield · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $395.35 |
| 27 | $414.33 |
| 30 | $448.72 |
| 40 | $505.26 |
| 50 | $706.10 |
| 60 | $1072.98 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $8,800
- Family out-of-pocket max: $17,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $504.18/mo. This plan is $505.26/mo at 40 — a difference of $1.08/mo.
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 — 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.
Other silver plans in Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $497.26 |
| Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $504.18 |
| Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $506.09 |
| Standard Silver | Ambetter Health | $516.23 |
| Focused Silver | Ambetter Health | $520.82 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 17575IN0990002 in FIPS 18021.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.