Families in Indianapolis typically see hourly rates of $95–$155/hr. Here's how that compares nationally, what insurance covers in Indiana, and what to expect locally.
$95–$155/hr · Below national averageUpdated April 2026$40,000/yr cap
Covers through age 18
Indiana Medicaid (HIP 2.0 and Medicaid for children) covers ABA for children with an autism diagnosis.
Indianapolis is one of the more affordable major US cities for ABA therapy. Indiana's insurance mandate has a $40,000 annual cap through age 18, which is sufficient for part-time programs but can fall short for intensive full-time ABA at 30–40 hours per week. Provider availability is generally strong in the Indianapolis metro area.
ABA therapy in Indianapolis costs $95–$155 per hour, below the national average. For 20 hours per week, monthly costs run $7,500–$12,500 without insurance. Indiana commercial insurance covers ABA up to $40,000 per year through age 18.
Indiana law (IC 27-8-14.2) requires commercial insurers to cover ABA therapy up to $40,000 annually for individuals through age 18. For part-time programs (10–15 hours/week) at Indianapolis rates, this cap is usually sufficient for a full year. Intensive programs may exhaust the cap by mid-year.
Yes. Indiana Medicaid covers ABA for children with an autism diagnosis through the HIP 2.0 program and traditional Medicaid for children. Coverage through Medicaid is not subject to the $40,000 commercial insurance cap and does not have the same age limit.
Yes. Indianapolis ABA rates ($95–$155/hr) are below the national average of $120–$150/hr. This reflects Indiana's lower overall cost of living and BCBA compensation levels. Families relocating from coastal metros often find Indianapolis significantly more affordable for ABA services.
Higglo works with ABA providers across Indiana on marketing, intake, and growth. Talk to our team about your program.
