Medicare Advantage Plans in Indiana 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Indiana has strong Medicare Advantage penetration, with roughly half of beneficiaries in private plans. Indianapolis, Fort Wayne, and Evansville all have competitive markets. Anthem Blue Cross Blue Shield of Indiana is a major carrier with a large network presence across the state.
roughly 49%
of beneficiaries in Advantage plans
about 1.3 million
total Medicare beneficiaries
$0–$50
typical monthly premium range
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Indiana.
What to Look for in a Indiana Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Indiana
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Indiana
Medigap is widely available in Indiana. Residents of rural communities in southern Indiana and the northwestern corner of the state sometimes find that Advantage network gaps make Medigap a more reliable and predictable option.
Data note: Plan information is sourced from the U.S. Centers for Medicare and Medicaid Services (CMS). Premiums, coverage, and plan availability change annually. Contact a licensed Medicare agent or visit Medicare.gov for current, binding quotes.