ACA marketplace plans in Mishawaka, Indiana (2026)
Mishawaka, Indiana (population 51,021, ACS 2020-2024), covering ZIP codes 46544, 46545, 46546 sits in St. Joseph County, where 47 ACA marketplace plans from 3 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $459 per month for a 40-year-old. 2027 plans for St. Joseph County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
City stats
- Population: 51,021 (ACS 2020-2024)
- Uninsured rate: 7.9% (ACS 2020-2024, table S2701)
- Median household income: $54,291 (ACS 2020-2024, table B19013)
ZIP codes covered
46544, 46545, 46546
Source: GeoNames US postal 2026-07-22.
Five lowest-cost plans in St. Joseph County (age 40)
- Anthem Blue Cross and Blue Shield — Anthem Catastrophic Essential (+ Incentives) · Catastrophic · $383.32/mo · deductible $10,600 · MOOP $10,600
- Anthem Blue Cross and Blue Shield — Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) · Bronze · $386.39/mo · deductible $10,150 · MOOP $10,150
- Anthem Blue Cross and Blue Shield — Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) · Bronze · $394.56/mo · deductible $10,150 · MOOP $10,150
- Anthem Blue Cross and Blue Shield — Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) · Expanded Bronze · $402.31/mo · deductible $5,500 · MOOP $10,150
- Anthem Blue Cross and Blue Shield — Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) · Expanded Bronze · $409.33/mo · deductible $4,500 · MOOP $10,150
See the full St. Joseph County plan table with every issuer, metal tier, and cost-sharing figure →
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (Congressional Research Service report R48290; KFF's 2026 premium tracker).
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan and premium figures come from this file.
- American Community Survey 5-Year Estimates, 2020-2024 — U.S. Census Bureau. Population/income/uninsured figures where present.
- ZIP-city association: GeoNames US postal 2026-07-22 — postal geography derived from USPS ZIP city listings.
- Full methodology: how we source and interpret this data →