ACA plans available
47
Plan year 2026
CMS Marketplace county · plan year 2026
Decatur, Indiana ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $468
- Silver avg/mo
- 47
- ACA plans
- 3
- Issuers
- +36.1%
- YoY premium
Silver avg $468/mo
Decatur, Indiana has 47 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $468/mo; Bronze averages $381/mo and Gold $663/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1936 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $394/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Decatur, Indiana ranks #1,936 of 2,055 counties by listed Silver average ($468/mo) and #823 of 2,055 by plan count (47 plans).
- #1,936 of 2,055
- Silver average among 2,055 counties
- $468
- Listed Silver average /mo
- #823 of 2,055
- Plan count among 2,055 counties
- 47
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Decatur, Indiana offers 47 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $332/mo and Silver plans start at $389/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$468
Avg Silver Premium/mo
$394
Benchmark Premium/mo
+36.1%
Year-over-Year Change
$5,447
Avg Deductible
Lower-premium band
Decatur in the lower-premium third
$468/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1936 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $389–$527/mo. The local market is heavily HMO-dominated -- shoppers who specifically want a POS network have only a handful of plans to choose from here.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
12 plans$381/mo avg
$332 - $446
Silver
18 plans$468/mo avg
$389 - $527
Gold
14 plans$663/mo avg
$532 - $812
Platinum
2 plans$991/mo avg
$989 - $992
Catastrophic plan available: avg $329/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Decatur is $394/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
3
Some competition
Benchmark Silver
$394 /mo
Sets your subsidy ceiling
Avg deductible
$5,447
Across all metal tiers
C
Marketplace Access Score
58/100
Decatur
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A+
$394/mo
Benchmark Silver premium; rank #1936 of 2055 tracked counties (cheapest first)
Plan Choice C+
47 plans
ACA marketplace plan count; rank #823 of 2055 tracked counties (most first)
Issuer Competition D
3 issuers
Distinct marketplace issuers; rank #1109 of 2055 tracked counties (most first)
Cost Predictability F
$5,447
Average deductible across tracked plans; rank #330 of 2055 tracked counties (lowest first)
Decatur ACA plans by premium and deductible
Each marker is the Decatur average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Decatur ACA marketplace plans: premium vs deductible
How Decatur's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Decatur vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$468 1936th of 2055 higher than 116 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Decatur
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CareSource | 22 | $609/mo |
| Anthem Blue Cross and Blue Shield | 15 | $401/mo |
| Ambetter Health | 10 | $517/mo |
All Plans in Decatur
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Essential (+ Incentives) Anthem Blue Cross and Blue Shield | Catastrophic | HMO | $329.38 | $401.66 | $10,600 | $10,600 |
| Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Bronze | HMO | $332.01 | $404.87 | $10,150 | $10,150 |
| Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Bronze | HMO | $339.03 | $413.43 | $10,150 | $10,150 |
| Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $345.70 | $421.57 | $5,500 | $10,150 |
| Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $351.72 | $428.91 | $4,500 | $10,150 |
| Anthem Bronze Essential 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $353.83 | $431.48 | $7,500 | $10,000 |
| Anthem Bronze Essential POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | POS | $353.83 | $431.48 | $7,500 | $10,000 |
| Anthem Bronze Essential 6500 HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $365.07 | $445.19 | $6,500 | $8,450 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $413.79 | $504.60 | $10,600 | $10,600 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $417.33 | $508.92 | $10,600 | $10,600 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $425.91 | $519.38 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $429.55 | $523.82 | $7,500 | $10,000 |
| HSA Eligible Bronze 6000 CareSource | Expanded Bronze | HMO | $446.15 | $544.06 | $6,000 | $7,250 |
| Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $388.71 | $474.02 | $7,000 | $8,850 |
| Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $394.12 | $480.62 | $6,000 | $8,900 |
| Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $394.96 | $481.64 | $4,500 | $8,800 |
| Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $395.61 | $482.43 | $7,000 | $8,850 |
| Anthem Silver Essential 3500 HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $408.99 | $498.75 | $3,500 | $8,450 |
| Standard Silver Ambetter Health | Silver | HMO | $430.79 | $525.33 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $434.63 | $530.01 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $442.15 | $539.18 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $446.08 | $543.98 | $6,300 | $8,400 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $507.73 | $619.16 | $6,200 | $9,800 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $511.25 | $623.45 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $520.02 | $634.15 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $522.01 | $636.58 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $522.26 | $636.88 | $5,000 | $9,500 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $523.57 | $638.48 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $525.47 | $640.80 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $525.91 | $641.32 | $5,000 | $9,500 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource | Silver | HMO | $526.51 | $642.06 | $5,500 | $5,500 |
| Standard Gold Ambetter Health | Gold | HMO | $531.79 | $648.49 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $545.80 | $665.59 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $554.05 | $675.64 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $568.65 | $693.45 | $1,450 | $7,500 |
| Elite Gold Ambetter Health | Gold | HMO | $598.31 | $729.62 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $614.09 | $748.86 | $0 | $6,500 |
| Anthem Gold Essential 2200 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $628.44 | $766.37 | $2,200 | $4,700 |
| Anthem Gold Essential 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $639.85 | $780.27 | $2,000 | $8,200 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $741.79 | $904.58 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $745.36 | $908.94 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $745.61 | $909.25 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $749.17 | $913.59 | $3,000 | $8,500 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $808.45 | $985.87 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $812.01 | $990.22 | $2,000 | $8,200 |
| Platinum Zero $5 Generic Drugs CareSource | Platinum | HMO | $988.73 | $1,205.72 | $0 | $5,200 |
| Platinum Zero $5 Generic Drugs + Adult Vision & Fitness CareSource | Platinum | HMO | $992.29 | $1,210.06 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $352/mo | $328 | $380 | 19 | 2 |
| 2023 | $364/mo | $333 | $432 | 16 | 2 |
| 2024 | $368/mo | $312 | $399 | 25 | 3 |
| 2025 | $343/mo | $293 | $425 | 19 | 3 |
| 2026 | $468/mo | $389 | $527 | 18 | 3 |
What this means for Decatur
Use Decatur's own numbers here, not a national average, before you enroll.
- $468/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 47 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Decatur's Silver premium in the lower band?
Decatur ranks #1936 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $468/mo. See /methodology#corpus-placement.
How many ACA plans are available in Decatur, IN?
There are 47 ACA marketplace plans available in Decatur from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Decatur?
The lowest-premium plan in Decatur starts at $332/mo (Bronze tier, age 27). Silver plans start at $389/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Decatur?
The benchmark (second-lowest Silver) premium in Decatur is $394/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Decatur premiums rise +36.1% year-over-year?
The average age-27 premium in Decatur changed by +36.1% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Decatur?
The average annual deductible across all plans in Decatur is $5,447, and the average out-of-pocket maximum is $8,629. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Decatur?
There are 3 insurance issuers offering ACA marketplace plans in Decatur, including CareSource, Anthem Blue Cross and Blue Shield, Ambetter Health. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Decatur, IN's $394/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Decatur, IN, both outside IN so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($394/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.