Health insurance for CPA firms in Indiana
A CPA firm in Indiana is usually shopping for two things at once: the owner’s own policy, which pays full price above $62,600 of income this year, and some way to help staff whose median pay in Indiana runs from $46,430 for seasonal tax preparers to $77,410 for staff accountants. These are the Indiana numbers for both.
Your own premium in Indiana
The average benchmark Silver plan for a 40-year-old in Indiana costs $474 a month in 2026. Across Indiana’s 92 counties the median lowest-cost Silver at 40 is $467 and a family of four pays $1,493, which above $128,600 of household income is the price. Five insurers sell here. Cigna and CareSource are leaving Indiana’s marketplace for 2027. Final 2027 rates in Indiana are an average 17.1% higher.
What you pay as the owner is deductible on Form 7206.
What your staff earn in Indiana, and what an ICHRA has to cover
| Role | Indiana median pay | Most they can be asked to pay, self-only | Least monthly ICHRA to pass the 2026 test* |
|---|---|---|---|
| Staff accountants (BLS: accountants and auditors) | $77,410 | $643/mo | none needed |
| Bookkeepers (BLS: bookkeeping, accounting and auditing clerks) | $46,880 | $389/mo | $78/mo |
| Seasonal tax preparers (BLS: tax preparers) | $46,430 | $385/mo | $82/mo |
BLS May 2024 medians for employees in Indiana; 9.96% of pay is the 2026 affordability line. *Against Indiana’s median lowest-cost Silver for a 40-year-old, $467.
- Staff accountants, $77,410 a year. The most they can be asked to pay is $643 a month, or $7,710 a year; any ICHRA passes the test.
- Bookkeepers, $46,880 a year. The most they can be asked to pay is $389 a month, or $4,669 a year; an ICHRA has to put in at least $78 a month.
- Seasonal tax preparers, $46,430 a year. The most they can be asked to pay is $385 a month, or $4,624 a year; an ICHRA has to put in at least $82 a month.
A full $537.50 QSEHRA covers the whole $467 plan, so none of them would qualify for a premium tax credit on top of it.
One of each on staff: the cheapest ICHRA that passes for all three costs about $1,912 a year in Indiana, against up to $19,350 for three full self-only QSEHRAs.
What a QSEHRA covers in Indiana
The 2026 ceiling is $6,450 a year self-only, or $537.50 a month — more than all of Indiana’s $474 benchmark for a 40-year-old. The $13,100 family ceiling, about $1,092 a month, covers 73% of the Indiana median family-of-four lowest-cost Silver of $1,493.
Who a CPA firm can and cannot cover
Partners and more-than-2% S corporation shareholders cannot join the firm’s QSEHRA or ICHRA, and seasonal preparers can be excluded or given their own class. The full rules for CPA firms cover partners, 2% shareholders and contractors in detail.
Sources: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024; KFF, Marketplace Average Benchmark Premiums, 2026; CMS plan year 2026 Qualified Health Plan landscape (county premiums); IRS Publication 15-B (2026), Employer’s Tax Guide to Fringe Benefits; HealthCare.gov, CHOICE Arrangements (formerly individual coverage HRAs).
Questions owners ask
How much does health insurance cost the owner of a CPA firm in Indiana?
About $474 a month for a 40-year-old on the average benchmark Silver in Indiana in 2026, with no subsidy above $62,600 of income for one person or $128,600 for a family of four.
Can a CPA firm in Indiana reimburse staff for individual health insurance?
Yes, through a QSEHRA (up to $6,450 self-only in 2026) or an ICHRA with no cap; for staff accountants earning the Indiana median of $77,410, any offer passes the 2026 affordability test against the state’s median lowest-cost Silver at 40.