ACA plans available
47
Plan year 2026
2026 data Public-data reference. official source
Fayette, Indiana Health Insurance
Open-data reference.
47 ACA plans from 3 issuers - Plan year 2026
Fayette, Indiana offers 47 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $320/mo and Silver plans start at $375/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$447
Avg Silver Premium/mo
$378
Benchmark Premium/mo
+33.3%
Year-over-Year Change
$5,447
Avg Deductible
What the Numbers Say About Fayette
Fayette, Indiana has 47 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $447/mo for a 27-year-old non-tobacco user, with the lowest Silver at $375 and the highest at $516. Bronze plans start at $320/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $378/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,447 and the average out-of-pocket maximum is $8,629 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Fayette shifted by +33.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Fayette, consumers have some competitive choice, though narrower than the most competitive counties. The local market is heavily HMO-dominated -- shoppers who specifically want a POS network have only a handful of plans to choose from here. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
2 plans$324/mo avg
$320 - $327
Silver
18 plans$447/mo avg
$375 - $516
Gold
14 plans$624/mo avg
$467 - $796
Platinum
2 plans$971/mo avg
$970 - $973
Catastrophic plan available: avg $318/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Fayette is $378/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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$378 /mo
Sets your subsidy ceiling
Avg deductible
$5,447
Across all metal tiers
Fayette ACA plans by premium and deductible
Each marker is the Fayette 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.
Source: CMS Marketplace Public Use Files for Fayette, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Fayette
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CareSource | 22 | $597/mo |
| Anthem Blue Cross and Blue Shield | 15 | $387/mo |
| Ambetter Health | 10 | $454/mo |
All Plans in Fayette
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Essential (+ Incentives) Anthem Blue Cross and Blue Shield | Catastrophic | HMO | $317.76 | $387.50 | $10,600 | $10,600 |
| Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Bronze | HMO | $320.30 | $390.60 | $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 | $327.07 | $398.85 | $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 | $333.51 | $406.70 | $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 | $339.32 | $413.79 | $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 | $341.34 | $416.26 | $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 | $341.34 | $416.26 | $7,500 | $10,000 |
| Anthem Bronze Essential 6500 HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | HMO | $352.19 | $429.48 | $6,500 | $8,450 |
| Low Premium Bronze 10600 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $405.79 | $494.84 | $10,600 | $10,600 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $409.26 | $499.08 | $10,600 | $10,600 |
| Bronze 7500 $25 Generic Drugs CareSource | Expanded Bronze | HMO | $417.67 | $509.34 | $7,500 | $10,000 |
| Bronze 7500 $25 Generic Drugs + Adult Vision & Fitness CareSource | Expanded Bronze | HMO | $421.25 | $513.70 | $7,500 | $10,000 |
| HSA Eligible Bronze 6000 CareSource | Expanded Bronze | HMO | $437.52 | $533.54 | $6,000 | $7,250 |
| Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $375.01 | $457.31 | $7,000 | $8,850 |
| Standard Silver Ambetter Health | Silver | HMO | $378.34 | $461.38 | $6,000 | $8,900 |
| Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $380.22 | $463.67 | $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 | $381.03 | $464.66 | $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 | $381.66 | $465.42 | $7,000 | $8,850 |
| Focused Silver Ambetter Health | Silver | HMO | $381.71 | $465.48 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $388.32 | $473.54 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $391.77 | $477.75 | $6,300 | $8,400 |
| Anthem Silver Essential 3500 HSA (+ Incentives) Anthem Blue Cross and Blue Shield | Silver | HMO | $394.57 | $481.17 | $3,500 | $8,450 |
| Low Premium Silver 6200 $3 Generic Drugs CareSource | Silver | HMO | $497.91 | $607.19 | $6,200 | $9,800 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $501.36 | $611.39 | $6,200 | $9,800 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $509.97 | $621.89 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs CareSource | Silver | HMO | $511.92 | $624.27 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services CareSource | Silver | HMO | $512.17 | $624.57 | $5,000 | $9,500 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $513.45 | $626.13 | $5,000 | $9,500 |
| Silver 6000 $20 Generic Drugs + Adult Vision & Fitness CareSource | Silver | HMO | $515.31 | $628.41 | $6,000 | $8,900 |
| Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Silver | HMO | $515.74 | $628.92 | $5,000 | $9,500 |
| HDHP Preventive Silver 5500 $0 Chronic Care Drugs CareSource | Silver | HMO | $516.33 | $629.64 | $5,500 | $5,500 |
| Standard Gold Ambetter Health | Gold | HMO | $467.04 | $569.54 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $479.35 | $584.55 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $486.59 | $593.38 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $499.42 | $609.02 | $1,450 | $7,500 |
| Elite Gold Ambetter Health | Gold | HMO | $525.47 | $640.79 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $539.32 | $657.68 | $0 | $6,500 |
| Anthem Gold Essential 2200 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $606.28 | $739.34 | $2,200 | $4,700 |
| Anthem Gold Essential 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | HMO | $617.28 | $752.75 | $2,000 | $8,200 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $727.44 | $887.09 | $3,000 | $8,500 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $730.95 | $891.36 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services CareSource | Gold | HMO | $731.19 | $891.66 | $3,000 | $8,500 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness CareSource | Gold | HMO | $734.69 | $895.92 | $3,000 | $8,500 |
| Gold 2000 $15 Generic Drugs CareSource | Gold | HMO | $792.81 | $966.81 | $2,000 | $8,200 |
| Gold 2000 $15 Generic Drugs + Adult Vision & Fitness CareSource | Gold | HMO | $796.31 | $971.07 | $2,000 | $8,200 |
| Platinum Zero $5 Generic Drugs CareSource | Platinum | HMO | $969.61 | $1,182.40 | $0 | $5,200 |
| Platinum Zero $5 Generic Drugs + Adult Vision & Fitness CareSource | Platinum | HMO | $973.10 | $1,186.66 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $351/mo | $326 | $378 | 19 | 2 |
| 2023 | $375/mo | $344 | $443 | 16 | 2 |
| 2024 | $356/mo | $316 | $412 | 25 | 3 |
| 2025 | $356/mo | $308 | $434 | 19 | 3 |
| 2026 | $447/mo | $375 | $516 | 18 | 3 |
Frequently Asked Questions
How many ACA plans are available in Fayette, IN?
There are 47 ACA marketplace plans available in Fayette from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Fayette?
The lowest-premium plan in Fayette starts at $320/mo (Bronze tier, age 27). Silver plans start at $375/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Fayette?
The benchmark (second-lowest Silver) premium in Fayette is $378/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Fayette?
Average premiums in Fayette changed by +33.3% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Fayette?
The average annual deductible across all plans in Fayette 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 Fayette?
There are 3 insurance issuers offering ACA marketplace plans in Fayette, 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 Fayette, IN's $378/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
