Minnesota's 2027 rate story was about a number insurers hide. Indiana's is about a number they are not hiding at all.

I pulled every Indiana individual medical rate filing out of the public SERFF health plan binders, the same way I did for Minnesota. Every on-exchange plan, both years, plan ID by plan ID, all 17 rating areas. What the binders show is a market getting more expensive and smaller at the same time. The median on-exchange plan that survives into 2027 costs 20 percent more at age 21. Two carriers are leaving. One is arriving, and only in two rating areas.

On-exchange carriers 4 ▼ was 5: −CareSource, −Cigna, +AmeriHealth
Median rate change +20.2% age 21, on plans that survive
Rating areas losing a carrier 13 of 17 by parent; one area down to a single carrier
Plan options that disappear 585 plan × rating area, mostly CareSource

Source: SERFF health plan binders (plan year 2026 and 2027 individual medical); Indiana DOI rate filings

A note on the number I am comparing

Every premium here is for a 21-year-old, non-tobacco. Age 21 is the anchor of the federal default age curve, where the age factor is exactly 1.000, so comparing age-21 rates isolates the price change from any shift in age. Multiply by your own age factor to get your number. Indiana, unlike Minnesota, does permit a tobacco surcharge, so these are the non-tobacco base rates.

In Indiana, the headline number is the real number

For Minnesota I spent most of a post on the gap between what an insurer files as its average increase and what actually happens to the plans it keeps. Medica filed 13 percent while its surviving plans moved 1.5 percent, because the filed average absorbs everyone crosswalked off a deleted plan onto a pricier one.

Indiana does not have that gap. Here is what each continuing insurer filed, next to the median change on the plans it is keeping.

What each Indiana insurer filed vs. what happened to the plans it kept
Median change on plans they kept Average rate change they filed
UnitedHealthcare +29.4% → +32.4% +3.0 pts
Ambetter +22.1% → +25.2% +3.1 pts
Anthem +16.1% → +15.6% −0.5 pts
Table view
IssuerMedian, kept plansFiled averageGapPlans keptPlans dropped
UnitedHealthcare +29.4% +32.4% 3.0 pts 39 6
Ambetter +22.1% +25.2% 3.1 pts 170 119
Anthem +16.1% +15.6% -0.5 pts 208 32
Source: Filed averages: Indiana DOI 2027 individual-market rate filings. Plan medians: 2026 and 2027 SERFF rate templates.

They line up. Anthem filed 15.6 percent and its surviving plans move 16.1 percent at the median. Ambetter filed 25.2 and moved 22.1. UnitedHealthcare filed 32.4 and moved 29.4. The two measures agree within about three points for all three carriers, and that tells you something specific: Indiana's increases are not hiding inside crosswalks and deleted networks. They are just large, and they are landing on the plans people already hold. The statewide weighted average of the filings is 18.9 percent. My plan-level median is 20.2 percent. Those are close for the same reason.

UnitedHealthcare is the story nobody headlined

UnitedHealthcare filed the biggest average increase in the state, 32.4 percent, and its plans back it up. In the Indianapolis area a UHC silver plan goes from about $490 to $620. In Bloomington a UHC bronze plan jumps 40.5 percent, the single largest increase on any surviving plan in Indiana.

And yet UnitedHealthcare is expanding. In 2026 it sold on-exchange plans in just three rating areas, all in central Indiana. For 2027 it files in ten. It is raising prices hard and moving into more of the state at the same time, which is what a carrier does when it decides the remaining risk pool is worth having at the new price.

Two carriers are leaving

CareSource is gone. It covered roughly 60,000 Indiana enrollees and sold in all 17 rating areas, a wider footprint than anyone. For 2027 there is no CareSource binder, and its plans, 374 plan and rating-area combinations, simply end. This is the single biggest change in the Indiana market, and it is why all 17 rating areas lose a carrier.

Cigna is gone too. Cigna is exiting the ACA market nationally for 2027, and Indiana is part of that. It was smaller here, fewer than 7,000 enrollees across six rating areas, but its exit stacks on top of CareSource's where the two overlapped.

The backfill that mostly is not there

Two carriers leaving would be easier to absorb if new capacity were arriving to replace them. Some is. Most is not.

UnitedHealthcare's expansion into seven new rating areas is the real backfill. Where UHC moves in, an area that lost CareSource holds its carrier count instead of dropping. That happens in four areas.

AmeriHealth Caritas is the genuinely new name, HIOS 11003, filing in Indiana for the first time. But its footprint is two rating areas, Indianapolis and Bloomington, twelve plans, and they do not undercut anyone. AmeriHealth's cheapest Indianapolis silver is $429.72, above the three cheapest Anthem silvers already on that shelf. A new entrant that prices at the top of the market did not come to start a price war.

Net it out and 13 of Indiana's 17 rating areas drop at least one carrier for 2027, counting by parent company. Southeastern Indiana around New Albany, across the river from Louisville, drops to a single on-exchange carrier: Ambetter, alone. In a one-carrier rating area the benefit design and the price are whatever that carrier decides, with nobody across the table.

Every on-exchange Indiana plan, 2026 to 2027

Pick a rating area. Each row is one plan: where it priced in 2026, where it prices in 2027, and what moved. A plan with only a 2027 dot was not available in that area last year. A plan with only a 2026 dot will not be there next year, which for most of the muted 2026-only dots means CareSource.

Every on-exchange Indiana plan, 2026 → 2027 (age 21)
Metal

Area 10, Indianapolis metro. Indianapolis, Carmel, Fishers. 6 counties: Boone, Hamilton, Marion, Morgan, Shelby, Hendricks.

2026 premium 2027 premium Available here in 2027 only Available here in 2026 only
UnitedHealthcare 17 plans
UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) Bronze was “UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals)” in 2026 $392 → $501 +27.8%
UHC Bronze Standard ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) Expanded Bronze was “UHC Bronze Standard (No Referrals)” in 2026 $415 → $530 +27.5%
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) Expanded Bronze was “UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)” in 2026 $434 → $581 +33.8%
UHC Gold Value ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) Gold $595 Dropped
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) Expanded Bronze was “UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)” in 2026 $450 → $596 +32.4%
UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, No Referrals) Silver was “UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)” in 2026 $482 → $610 +26.5%
UHC Gold Value+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) Gold $611 Dropped
UHC Silver Standard ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, No Referrals) Silver was “UHC Silver Standard (No Referrals)” in 2026 $490 → $620 +26.6%
UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) Silver was “UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)” in 2026 $498 → $625 +25.5%
UHC Silver Standard+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) Silver was “UHC Silver Standard+ (Dental + Vision, No Referrals)” in 2026 $506 → $635 +25.6%
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) Silver was “UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)” in 2026 $506 → $646 +27.7%
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) Silver was “UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)” in 2026 $522 → $661 +26.7%
UHC Gold Value ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, No Referrals) Gold $758 New
UHC Gold Standard ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) Gold was “UHC Gold Standard (No Referrals)” in 2026 $603 → $761 +26.2%
UHC Gold Value+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) Gold $773 New
UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, No Referrals) Gold was “UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)” in 2026 $614 → $788 +28.2%
UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) Gold was “UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)” in 2026 $630 → $803 +27.3%
Ambetter 33 plans
Clarity Silver Silver $355 Dropped
Signature Expanded Bronze Expanded Bronze $442 New
Everyday Bronze Expanded Bronze $443 New
Signature Expanded Bronze + Vision + Adult Dental Expanded Bronze $454 New
Clear Silver Silver $455 New
Everyday Bronze + Vision + Adult Dental Expanded Bronze $456 New
Streamlined Silver Silver $456 New
Summit Silver Silver $456 New
Choice Bronze HSA Expanded Bronze $462 New
Clear Silver + Vision + Adult Dental Silver $468 New
Streamlined Silver + Vision + Adult Dental Silver $469 New
Summit Silver + Vision + Adult Dental Silver $469 New
Signature Silver Silver was “Standard Silver” in 2026 $378 → $475 +25.6%
Choice Bronze HSA + Vision + Adult Dental Expanded Bronze $475 New
Focused Silver Silver $382 → $479 +25.5%
Sterling Silver Silver $484 New
Enhanced Diabetes Care Silver $0 Rx Options Silver $485 New
Signature Silver + Vision + Adult Dental Silver was “Standard Silver + Vision + Adult Dental” in 2026 $388 → $488 +25.7%
Focused Silver + Vision + Adult Dental Silver $392 → $492 +25.7%
Sterling Silver + Vision + Adult Dental Silver $498 New
Enhanced Diabetes Care Silver $0 Rx Options + Vision + Adult Dental Silver $498 New
Signature Gold Gold was “Standard Gold” in 2026 $467 → $572 +22.6%
Complete Gold Gold $486 → $582 +19.6%
Signature Gold + Vision + Adult Dental Gold was “Standard Gold + Vision + Adult Dental” in 2026 $479 → $588 +22.8%
Complete Gold + Vision + Adult Dental Gold $499 → $598 +19.8%
Elite Gold Gold $525 → $613 +16.8%
Elite Gold + Vision + Adult Dental Gold $539 → $630 +16.9%
Choice Bronze HSA Expanded Bronze $945 Dropped
Everyday Bronze Expanded Bronze $945 Dropped
Standard Expanded Bronze Expanded Bronze $945 Dropped
Choice Bronze HSA + Vision + Adult Dental Expanded Bronze $945 Dropped
Everyday Bronze + Vision + Adult Dental Expanded Bronze $945 Dropped
Standard Expanded Bronze + Vision + Adult Dental Expanded Bronze $945 Dropped
Anthem 16 plans
Anthem Catastrophic Essential HSA ($0 Virtual PCP + Incentives) Catastrophic was “Anthem Catastrophic Essential (+ Incentives)” in 2026 $311 → $353 +13.4%
Anthem Bronze Essential 11700 HSA ($0 Virtual PCP + $0 Select Drugs + Incentives) Expanded Bronze was “Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives)” in 2026 $313 → $361 +15.1%
Anthem Bronze Essential 11700 HSA Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs+Incentives) Expanded Bronze was “Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)” in 2026 $320 → $368 +14.9%
Anthem Bronze Essential 5000 HSA ($0 Virtual PCP + $0 Select Drugs + Incentives) Bronze $372 New
Anthem Bronze Essential POS 5500 HSA ($0 Virtual PCP + $0 Select Drugs + Incentives) Expanded Bronze was “Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)” in 2026 $326 → $381 +16.8%
Anthem Bronze Essential 7500 HSA ($0 Virtual PCP + $0 Select Drugs + Incentives) Expanded Bronze was “Anthem Bronze Essential 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)” in 2026 $334 → $383 +14.7%
Anthem Bronze Essential POS 7500 HSA ($0 Virtual PCP + $0 Select Drugs + Incentives) Expanded Bronze was “Anthem Bronze Essential POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)” in 2026 $334 → $383 +14.7%
Anthem Silver Essential 3500 HSA (+ Incentives) Silver $386 Dropped
Anthem Heart Healthy Bronze Essential 4500 HSA ($0 Virtual PCP + $0 Select Drugs + Incentives) Expanded Bronze was “Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)” in 2026 $332 → $387 +16.7%
Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Silver $367 → $407 +10.9%
Anthem Bronze Essential 6750 HSA ($0 Virtual PCP + $0 Select Drugs + Incentives) Expanded Bronze was “Anthem Bronze Essential 6500 HSA (+ Incentives)” in 2026 $345 → $413 +19.9%
Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Silver $374 → $414 +10.9%
Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Silver $373 → $427 +14.5%
Anthem Silver Essential 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Silver was “Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)” in 2026 $372 → $439 +17.9%
Anthem Gold Essential 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Gold $604 Dropped
Anthem Gold Essential 2200 ($0 Virtual PCP + $0 Select Drugs + Incentives) Gold $593 → $758 +27.7%
AmeriHealth Caritas 6 plans
AmeriHealth Caritas Next Bronze Essential + Three Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals Bronze $377 New
AmeriHealth Caritas Next Bronze Enhanced + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals Expanded Bronze $393 New
AmeriHealth Caritas Next Silver Essential + Two Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals Silver $430 New
AmeriHealth Caritas Next Silver Copay Focus + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals Silver $474 New
AmeriHealth Caritas Next Gold Enhanced + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals Gold $544 New
AmeriHealth Caritas Next Gold Copay Focus + $0 Deductible + Free PCP + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals Gold $587 New
CareSource 22 plans
Low Premium Bronze 10600 $25 Generic Drugs Expanded Bronze $356 Dropped
Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness Expanded Bronze $359 Dropped
Bronze 7500 $25 Generic Drugs Expanded Bronze $366 Dropped
Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness Expanded Bronze $369 Dropped
HSA Eligible Bronze 6000 Expanded Bronze $384 Dropped
Low Premium Silver 6200 $3 Generic Drugs Silver $437 Dropped
Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness Silver $440 Dropped
Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services Silver $447 Dropped
Silver 6000 $20 Generic Drugs Silver $449 Dropped
Diabetes Silver 5000 $0 Chronic Care Drugs & Services Silver $449 Dropped
Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness Silver $450 Dropped
Silver 6000 $20 Generic Drugs + Adult Vision & Fitness Silver $452 Dropped
Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness Silver $452 Dropped
HDHP Preventive Silver 5500 $0 Chronic Care Drugs Silver $453 Dropped
Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services Gold $638 Dropped
Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness Gold $641 Dropped
Diabetes Gold 3000 $0 Chronic Care Drugs & Services Gold $641 Dropped
Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness Gold $644 Dropped
Gold 2000 $15 Generic Drugs Gold $695 Dropped
Gold 2000 $15 Generic Drugs + Adult Vision & Fitness Gold $698 Dropped
Platinum Zero $5 Generic Drugs Platinum $850 Dropped
Platinum Zero $5 Generic Drugs + Adult Vision & Fitness Platinum $854 Dropped
Cigna 9 plans
Connect Bronze 7900 Indiv Med Deductible Expanded Bronze $381 Dropped
Connect Bronze CMS Standard Expanded Bronze $386 Dropped
Connect myDiabetesCare Bronze Expanded Bronze $389 Dropped
Connect Bronze 3800 Indiv Med Deductible Expanded Bronze $392 Dropped
Connect Silver 6300 Indiv Med Deductible Silver $508 Dropped
Connect Silver CMS Standard Silver $509 Dropped
Connect Silver 3000 Indiv Med Deductible Silver $520 Dropped
Connect Gold 2700 Indiv Med Deductible Gold $705 Dropped
Connect Gold CMS Standard Gold $714 Dropped
Source: SERFF health plan binders (IN). 2026 rates approved; 2027 rates as filed, subject to review.

A few things worth finding:

  • The increases cluster in the high teens and twenties. The middle half of surviving plans land between +14.9 and +25.9 percent. This is not a handful of outliers dragging an average.
  • The single worst increases are bronze and gold. A UHC bronze plan in Bloomington is up 40.5 percent, an Anthem gold in northwest Indiana up 40.0.
  • Ambetter has the only genuinely small increase. Its Elite Gold in the South Bend area went up 2.9 percent, the smallest in the state, though Ambetter's median is still north of 22 percent.

The same plan ID is not the same plan

Of the 426 continuing plan and rating-area combinations, 260 changed their marketing name while keeping the plan ID. A premium change on a renamed plan is not necessarily like-for-like, because the benefit design usually moved with the name. I flag every renamed plan in the tracker so you can see which comparisons deserve a second look.

How I built this, and what it does not tell you

Every number comes from the CMS Rates Table Template inside each insurer's SERFF health plan binder, the same standardized workbook in every state, joined to the plan names and metal levels on each binder's summary page. I took age 21, non-tobacco, on-exchange only.

Two specifics worth stating. Celtic Insurance Company, the Ambetter EPO/PPO entity, files in Indiana too, but every one of its plans is off-exchange, so none are here. Indiana's on-exchange Ambetter plans are the Coordinated Care HMO binder. And AmeriHealth's rate table is the only reason Indianapolis and Bloomington gain a new name at all.

The caveats:

  1. 2027 rates are proposed, not approved. The 2026 binders are closed and certified. The 2027 binders are still open, marked "Pending State Action" or "Submitted." Indiana's Department of Insurance reviews these and final rates can move.
  2. This is age 21, on-exchange, before subsidies. What you actually pay depends on your age, your income, and the premium tax credit, and with the enhanced subsidies expiring the gap between these numbers and what people pay is about to widen.
  3. Off-exchange plans are excluded. They are in the filings and in my data, but you cannot buy them on the exchange, so they are not here.