Indiana Cliff Calculator — 2026 ACA Subsidy

By Severance Calculator Editorial · Updated

Indiana Marketplace: HealthCare.gov

Indiana uses a federally-facilitated marketplace (FFM) called HealthCare.gov. Indiana residents enroll at HealthCare.gov.

Medicaid in Indiana: Healthy Indiana Plan (HIP)

Indiana expanded Medicaid under the ACA. Healthy Indiana Plan (HIP) covers adults to 138% FPL.

2026 SLCSP Benchmark Premiums (Indiana)

Statewide average monthly second-lowest-cost Silver plan (SLCSP) premiums by age. Actual premiums vary by rating area.

Age2130405060
Monthly SLCSP$395$447$504$704$1,070

2026 ACA Cliff Thresholds by Household Size (Indiana)

MAGI above these amounts zeros out the federal Premium Tax Credit. FPL region: contiguous48.

Household size12345
400% FPL cliff$62,600$84,600$106,600$128,600$150,600

Key Facts: Indiana ACA

Indiana's Medicaid expansion is one of the most distinctive designs in the United States. Rather than a straightforward ACA expansion, Indiana implemented the Healthy Indiana Plan (HIP) through a §1115 demonstration waiver, effective February 1, 2015. The program covers nearly all adults ages 19–64 with income from 0–138% FPL, but with a feature no other expansion state requires at scale: POWER accounts.

POWER accounts are jointly funded savings vehicles — beneficiaries contribute monthly premiums (the greater of 2% of income or $1.00), and the state funds the difference up to the full $2,500 POWER account value. Beneficiaries who pay their POWER account premiums qualify for HIP Plus, which provides expanded benefits and only charges copays for non-emergency ER use. Beneficiaries who do not pay premiums receive HIP Basic, a more limited benefit package. Indiana describes its approach as seeking to 'reduce the number of uninsured, low income Hoosiers and increase access to healthcare services' while promoting 'value-based decision-making and personal health responsibility.'

Indiana uses HealthCare.gov (FFM) for marketplace enrollment and has no state-funded premium subsidy backfill for 2026. During the 2026 open enrollment period, 300,049 Indiana residents enrolled in marketplace coverage, with 80% qualifying for premium subsidies averaging $481/month in savings.

Calculate your Indiana ACA cliff

Inputs default to Indiana; adjust to your household specifics. Cliff = $62,600 (HH=1) / $128,600 (HH=4).

Your situation

Member ages
self

Coverage

Income

You're under the cliff

100%138%200%300%400%

You are at 319% of the federal poverty level.

Annual PTC
$1,608
$134 / month
MAGI headroom before cliff
$12,600
until you hit 400% FPL

PTC dollar values use a state-level SLCSP estimate; verify your exact second-lowest-cost Silver plan on healthcare.gov for your zip.

Primary Sources

  1. KFF — Medicaid Expansion in Indiana
    “Monthly premiums apply to all beneficiaries from 0-138% FPL and are the greater of 2% of income or $1.00.”
  2. KFF — HIP Plus vs. HIP Basic
    “Beneficiaries who pay premiums will be eligible for HIP Plus, which includes expanded benefits and co-payments only for non-emergency ER use.”

FAQ — Indiana ACA Cliff

What is the 2026 ACA subsidy cliff in Indiana?
For a household of 1, MAGI above $62,600 (400% of the 2025 FPL contiguous-48 base) zeros out the federal Premium Tax Credit under IRS Rev. Proc. 2025-25. Household of 4: $128,600. Indiana has no state subsidy backfill, so crossing this threshold eliminates all premium assistance.
What is the Healthy Indiana Plan (HIP)?
The Healthy Indiana Plan (HIP) is Indiana's §1115 Medicaid demonstration waiver, covering adults ages 19–64 with income 0–138% FPL. HIP is distinctive for requiring POWER account premium contributions from all enrollees: the greater of 2% of income or $1.00/month. Adults who pay premiums qualify for HIP Plus (expanded benefits); those who don't pay get HIP Basic (more limited coverage). The program began February 1, 2015.
What are POWER accounts in Indiana Medicaid?
POWER (Personal Wellness and Responsibility) accounts are jointly funded health savings accounts central to Indiana's HIP design. Beneficiaries contribute monthly premiums; the state funds the difference up to the full $2,500 POWER account value. The accounts are used for copays and cost-sharing. This design is intended to promote consumer engagement in health care spending — a model unique among ACA Medicaid expansion states.
How do I enroll in 2026 marketplace coverage in Indiana?
Indiana uses HealthCare.gov (the federal FFM marketplace). Open enrollment runs November 1 through January 15. You can also call 800-318-2596 or work with a Navigator or certified application counselor. To apply for the Healthy Indiana Plan (HIP), visit indianamedicaid.com year-round.
Does Indiana have a state subsidy on top of the federal PTC?
No. Indiana has no state-funded premium subsidy backfill for 2026. Residents rely entirely on federal APTC, which ends above 400% FPL ($62,600 for HH=1). The American Rescue Plan enhanced PTCs expired December 31, 2025.
How is SLCSP calculated for Indiana?
The 2026 statewide SLCSP age-band averages for Indiana are: Age 21: $395/mo, Age 30: $447/mo, Age 40: $504/mo, Age 50: $704/mo, Age 60: $1,070/mo. These are statewide averages; your specific county may vary. The federal cliff distance (income vs. 400% FPL) is exact regardless of SLCSP precision.
Can I reduce my MAGI to stay below the 2026 cliff in Indiana?
Yes — common strategies include maximizing HSA contributions, deductible IRA or SEP-IRA/Solo 401(k) contributions if self-employed, harvesting capital losses, and deferring Roth conversions. Because Indiana has no state subsidy above 400% FPL, staying below the federal cliff has full dollar impact.

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