Health Insurance in South Bend, IN

Health Insurance Carriers in South Bend, IN

Residents of South Bend can compare marketplace health plans from Ambetter Health, Anthem Blue Cross and Blue Shield and CareSource. The dominant carrier in most South Bend ZIP codes is Anthem Blue Cross Blue Shield.

South Bend is served by two major systems: Beacon Health System and Saint Joseph Health System (part of Trinity Health). University of Notre Dame students and employees have access to campus health resources in addition to marketplace plans.

2026 Plan Data for Residents in South Bend

Here is what is actually filed and for sale in St. Joseph County for 2026.

• South Bend sits in St. Joseph County, where 3 carrier(s) have filed 47 plans for 2026: Ambetter Health, Anthem Blue Cross and Blue Shield, CareSource.
• Plan types available to South Bend residents: HMO, POS.
• One of the lower-cost Silver options is Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) from Anthem Blue Cross and Blue Shield — $460/month at age 40 with a $7,000 deductible and $25 primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Hospitals and Health Systems in South Bend

Medicare’s hospital directory lists these acute-care hospitals in South Bend:

• Memorial Hospital of South Bend

Which plans include each hospital varies by plan and year, not just by insurer. Before you enroll, confirm that your doctors and preferred hospital are in-network for the specific plan ID you choose. We do this check for every client at no charge.

Urgent Care Centers in South Bend

Urgent care facilities in the South Bend area include:

• Beacon Urgent Care South Bend
• Saint Joseph Urgent Care
• AFC Urgent Care

ACA Subsidies and Medicaid in South Bend

Residents of South Bend may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

South Bend Health Insurance Market Profile

• Population: 103K
• County: St. Joseph County
• Median Household Income: $44,000 (~281% of the 2026 FPL)
• Marketplace: healthcare.gov