Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services — full price in Clay County, Indiana (2026)
Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services (54192IN0010032), a silver plan from CareSource in Clay County, Indiana, costs $690.21/month full price for a 40-year-old in 2026 — $1465.74 at 60, with a $5,000 deductible and $9,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54192IN0010032 · Issuer: CareSource · 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 | $540.07 |
| 27 | $565.99 |
| 30 | $612.98 |
| 40 | $690.21 |
| 50 | $964.56 |
| 60 | $1465.74 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,000
- Family deductible: $10,000
- Individual out-of-pocket max: $9,500
- Family out-of-pocket max: $19,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $504.18/mo. This plan is $690.21/mo at 40 — a difference of $186.03/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 Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $505.26 |
| 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 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54192IN0010032 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.