Platinum Zero $5 Generic Drugs + Adult Vision & Fitness
Starting at
$1040
/month before subsidy
Platinum Zero $5 Generic Drugs + Adult Vision & Fitness is a 2026 Platinum HMO health insurance plan from CareSource, sold on the ACA Marketplace in Indiana under plan ID 54192IN0020029. The monthly premium starts at $1,040 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $5,200 ($10,400 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 54192IN0020029
- Plan year
- 2026
- State
- Indiana
- Metal level
- Platinum
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$5,200
Family: $10,400
Coinsurance
0%
You pay after deductible
Network Type
HMO
INN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$400
your estimated cost
- Deductible
- $0
- Copays
- $400
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$600
your estimated cost
- Deductible
- $0
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$400
your estimated cost
- Deductible
- $0
- Copays
- $400
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Platinum HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,473/month
Annual Premium
$12,480
OOP Maximum
$5,200
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $5,200 total. Then insurance covers everything else for the year.
More plans from CareSource in Indiana
- Bronze 7500 $25 Generic Drugsfrom $446/mo
- Bronze 7500 $25 Generic Drugs + Adult Vision & Fitnessfrom $450/mo
- HSA Eligible Bronze 6000from $467/mo
- Low Premium Bronze 10600 $25 Generic Drugsfrom $434/mo
- Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitnessfrom $437/mo
- Diabetes Silver 5000 $0 Chronic Care Drugs & Servicesfrom $547/mo
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitnessfrom $551/mo
- HDHP Preventive Silver 5500 $0 Chronic Care Drugsfrom $552/mo
Frequently asked questions about Platinum Zero $5 Generic Drugs + Adult Vision & Fitness
How much does Platinum Zero $5 Generic Drugs + Adult Vision & Fitness cost per month?
Platinum Zero $5 Generic Drugs + Adult Vision & Fitness from CareSource starts at $1,040 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 Platinum Zero $5 Generic Drugs + Adult Vision & Fitness?
The individual medical deductible is $0. 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 Platinum Zero $5 Generic Drugs + Adult Vision & Fitness?
The most you would pay in a year for covered in-network care is $5,200 for an individual and $10,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Platinum Zero $5 Generic Drugs + Adult Vision & Fitness HSA-eligible?
No. Platinum Zero $5 Generic Drugs + Adult Vision & Fitness is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Platinum Zero $5 Generic Drugs + Adult Vision & Fitness use?
Platinum Zero $5 Generic Drugs + Adult Vision & Fitness 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
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
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.