PlanVoyager
All plans in IndianaCompare with subsidy estimate
SilverHMOHSA Eligible

Anthem Silver Essential 3500 HSA (+ Incentives)

Anthem Blue Cross and Blue Shield

Starting at

$463

/month before subsidy

Key facts

Anthem Silver Essential 3500 HSA (+ Incentives) is a 2026 Silver HMO health insurance plan from Anthem Blue Cross and Blue Shield, sold on the ACA Marketplace in Indiana under plan ID 17575IN0990013. The monthly premium starts at $463 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,500 ($7,000 for a family), and the individual out-of-pocket maximum is $8,450 ($16,900 for a family). After the deductible, coinsurance is 15% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
17575IN0990013
Plan year
2026
State
Indiana
Metal level
Silver
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$3,500

Family: $7,000

Out-of-Pocket Max

$8,450

Family: $16,900

Coinsurance

15%

You pay after deductible

Network Type

HMO

INN010

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit15.00% Coinsurance after deductible
Specialist Visit15.00% Coinsurance after deductible
Urgent Care15.00% Coinsurance after deductible
Emergency Room$300.00 Copay after deductible

Prescription Drugs

Generic Drugs$3.00 Copay after deductible
Brand Name Drugs35.00% Coinsurance after deductible
Specialty Drugs40.00% Coinsurance after deductible
CMS Quality Rating
The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.
2.0overall
Medical care

How well doctors manage and coordinate care

Member experience
Not rated

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$7,370

your estimated cost

Deductible
$3,500
Copays
$10
Coinsurance
$3,800

Managing type 2 diabetes

A year of routine care

$4,040

your estimated cost

Deductible
$3,500
Copays
$500
Coinsurance
$20

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible
$2,800
Copays
$0
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
Check a medication
Check a doctor

Enter your ZIP code first to search nearby doctors.

Official Plan Documents
Published by Anthem Blue Cross and Blue Shield. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.

Consider this plan if you:

  • Visit the doctor a few times per year
  • Take regular prescription medications
  • Want moderate protection against high medical bills
  • May qualify for Cost-Sharing Reductions (CSR) to lower deductibles

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,167/month

Annual Premium

$5,556

OOP Maximum

$8,450

💡 What this means:

With a $3,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 15% (coinsurance) until you hit $8,450 total. Then insurance covers everything else for the year.

More plans from Anthem Blue Cross and Blue Shield in Indiana

View all Marketplace plans in Indiana

Frequently asked questions about Anthem Silver Essential 3500 HSA (+ Incentives)

How much does Anthem Silver Essential 3500 HSA (+ Incentives) cost per month?

Anthem Silver Essential 3500 HSA (+ Incentives) from Anthem Blue Cross and Blue Shield starts at $463 per month before any subsidy in Indiana. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.

What is the deductible for Anthem Silver Essential 3500 HSA (+ Incentives)?

The individual medical deductible is $3,500, and the family deductible is $7,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.

What is the out-of-pocket maximum for Anthem Silver Essential 3500 HSA (+ Incentives)?

The most you would pay in a year for covered in-network care is $8,450 for an individual and $16,900 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is Anthem Silver Essential 3500 HSA (+ Incentives) HSA-eligible?

Yes. Anthem Silver Essential 3500 HSA (+ Incentives) is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does Anthem Silver Essential 3500 HSA (+ Incentives) use?

Anthem Silver Essential 3500 HSA (+ Incentives) is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.

Understand what you'd actually pay

Enroll at HealthCare.govBrowse Indiana plans

Important Notice

Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.