---
title: Atlas Commons research objects — ACA marketplace coverage for Indiana (2026)
license: CC0-1.0
source: CMS ACA Plan Attributes PUF (2026 plan year)
---

# Atlas Commons research objects — ACA marketplace coverage for Indiana (2026)

Indiana's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0.

## Claims

### 408 ACA medical marketplace plans are offered in Indiana for plan year 2026

**RECORDED.** The CMS ACA Plan Attributes PUF records 408 on-marketplace medical plans from 5 issuers offered in Indiana for the 2026 plan year. A census of offered plans.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### Medical plan counts by CMS metal level in Indiana (2026): Silver 210, Gold 92, Expanded Bronze 84, Bronze 12

**RECORDED.** Counts of the 408 medical plans by CMS-defined metal level: Silver 210, Gold 92, Expanded Bronze 84, Bronze 12, Platinum 8, Catastrophic 2. The metal levels are CMS categories; this is a count of PUF rows per category.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### Medical plan counts by CMS plan type in Indiana (2026): HMO 232, EPO 168, POS 8

**RECORDED.** Counts of the 408 medical plans by CMS-defined plan type (HMO/PPO/EPO/POS): HMO 232, EPO 168, POS 8. A count of PUF rows per CMS category.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### 103 of 408 medical plans in Indiana are HSA-eligible (2026)

**RECORDED.** The PUF flags 103 of the 408 medical plans as HSA-eligible — a count of plans carrying the CMS HSA-eligibility attribute.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### 408 of 408 medical plans in Indiana require no specialist referral (2026)

**RECORDED.** The PUF flags 408 of the 408 medical plans as not requiring a referral to see a specialist — a count of plans carrying the CMS no-referral attribute.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### 79 standalone dental plans are offered in Indiana for plan year 2026

**RECORDED.** The PUF records 79 standalone dental plans from 10 issuers offered in Indiana for the 2026 plan year.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### STICKER ACA premiums in Indiana for a 40-year-old (before tax credits): Silver median $566/mo

**DERIVED.** Per-metal-tier MEDIAN and range of full (pre-subsidy) monthly premiums for a 40-year-old, individual, non-tobacco, across Indiana's 17 rating area(s): Catastrophic $396 ($373–$431), Bronze $448 ($376–$592), Silver $566 ($440–$699), Gold $790 ($570–$1,078), Platinum $1,166 ($1,036–$1,317). The per-plan rates are RECORDED in the CMS Marketplace Rate PUF; these per-tier median/min/max figures are DERIVED — the atlas's own aggregation over 80 Rate-PUF rate rows (CMS does not publish a state×tier median). The FULL sticker price — most marketplace enrollees pay less after income-based premium tax credits; this is not net cost.

Source: CMS Marketplace Rate Public Use File (atlas-aggregated per tier) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: occurred=FALSE (a computed summary, not a single published figure) and adjudged=FALSE (the atlas's aggregation, not a CMS-published statistic). Reproduce it: take the median/min/max of the 80 CMS Rate-PUF rows for a 40yo non-tobacco enrollee per metal tier across the rating areas. Falsified if the per-row rates or the aggregation are wrong; it is sticker (pre-subsidy), so it overstates what a subsidized enrollee pays.

### What the Indiana premiums mean — sticker, not your price

**INTERPRETATION.** The premiums above are FULL pre-subsidy stickers. The Affordable Care Act caps a household's benchmark-Silver premium at a share of income via an advance premium tax credit, which can be applied to any tier — so a subsidized lower-income enrollee can pay far less, sometimes near $0. The sticker tells you how plans compare and the unsubsidized cost, NOT what you will pay. Net cost depends on your income and the prevailing tax-credit rules; we do not compute it. Get your actual price at HealthCare.gov.

Source: Coverage Atlas framing (over the CMS Rate PUF figures above) — https://coverage-atlas.ryanjhunter.workers.dev/
Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict). The sticker premiums above are CMS Rate PUF records (recorded); this subsidy note is interpretation.

### What these coverage figures are — and are NOT — for Indiana (the epistemic boundary)

**INTERPRETATION.** The plan counts above are a COUNT OF PLANS OFFERED on the ACA marketplace for plan year 2026 (a CMS PUF census); the premiums are FULL sticker rates for a 40-year-old. They are NOT enrollment counts, the insured/uninsured rate, NET cost after subsidies, or who actually has coverage. For your net premium use HealthCare.gov / your state marketplace; for the insured rate use the Census ACS / KFF. This object describes what is OFFERED and its sticker price, not who is COVERED or what they pay.

Source: Coverage Atlas framing (over the CMS facts above) — https://coverage-atlas.ryanjhunter.workers.dev/
Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here. The plan counts and sticker premiums above are direct CMS records; this is interpretation, and the four-status says so.

---

Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/in.jsonld`

## Data

### Indiana — every coverage indicator (typed)

Each official figure for this state with its four-status warrant and named source. RECORDED = an observed count or published per-plan rate from the CMS file; DERIVED = an atlas-computed summary over those rows (e.g. the per-tier median premium).

| indicator | value | warrant | source |
| --- | --- | --- | --- |
| Medical plans offered | 408 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Medical issuers | 5 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| HSA-eligible medical plans | 103 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Medical plans requiring no specialist referral | 408 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Standalone dental plans offered | 79 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Standalone dental issuers | 10 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Distinct issuers (medical + dental) | 14 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Plan year | 2026 | — | CMS ACA Plan Attributes PUF (2026) |
| Silver median sticker premium (USD/mo) | 566 | DERIVED | CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco) |
| Rating areas (premium aggregate) | 17 | RECORDED | CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco) |
| Rate-PUF rate rows summarized | 80 | RECORDED | CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco) |

### Indiana — medical plans by CMS metal level (RECORDED)

A count of CMS PUF rows per CMS-defined metal level — plans OFFERED, not enrollment.

| metal_level | plan_count |
| --- | --- |
| Silver | 210 |
| Gold | 92 |
| Expanded Bronze | 84 |
| Bronze | 12 |
| Platinum | 8 |
| Catastrophic | 2 |

### Indiana — medical plans by CMS plan type (RECORDED)

A count of CMS PUF rows per CMS-defined plan type (HMO/PPO/EPO/POS) — plans OFFERED.

| plan_type | plan_count |
| --- | --- |
| HMO | 232 |
| EPO | 168 |
| POS | 8 |

### Indiana — medical plans by market coverage (RECORDED)

A count of CMS PUF rows per market-coverage category (e.g. Individual, SHOP).

| market_coverage | plan_count |
| --- | --- |
| Individual | 477 |
| SHOP (Small Group) | 10 |

### Indiana — sticker ACA premiums by metal tier (40yo, pre-subsidy, DERIVED)

Per-tier median/p25/p75/min/max — the atlas's aggregation over the CMS Marketplace Rate PUF per-plan rates (the rates are RECORDED; these tier summaries are DERIVED — CMS does not publish a state×tier median). 40yo non-tobacco, across the state's rating areas, USD rounded. STICKER rates — most enrollees pay less after income-based tax credits; not net cost.

| tier | plans | median_usd | p25_usd | p75_usd | min_usd | max_usd |
| --- | --- | --- | --- | --- | --- | --- |
| Catastrophic | 16 | 396 | 387 | 417 | 373 | 431 |
| Bronze | 233 | 448 | 419 | 491 | 376 | 592 |
| Silver | 337 | 566 | 504 | 621 | 440 | 699 |
| Gold | 263 | 790 | 731 | 876 | 570 | 1078 |
| Platinum | 34 | 1166 | 1088 | 1207 | 1036 | 1317 |

### Indiana — issuers present on the marketplace (RECORDED)

Every distinct issuer (medical or standalone dental) the CMS PUF records as offering at least one plan in this state.

| issuer |
| --- |
| Ambetter Health |
| Anthem Blue Cross and Blue Shield |
| BEST Life |
| CareSource |
| Cigna Healthcare |
| Delta Dental of Indiana |
| DentaQuest USA Insurance |
| Dominion National |
| Guardian |
| HRI Dental & Vision |
| Humana |
| Renaissance Dental |
| TRUASSURE INSURANCE COMPANY |
| UnitedHealthcare |