Jan. 10, 2026, 12:12 p.m. ET

The Miami Heat (20-17) and Indiana Pacers (7-31) meet Saturday at 7 p.m. ET from Gainbridge Fieldhouse in Indianapolis, Indiana. Let’s analyze BetMGM Sportsbook’s NBA odds around the Heat vs. Pacers odds and make our expert NBA picks and predictions for the best bets.

Season series: Heat lead 1-0

The Heat were embarrassed by the Minnesota Timberwolves 122-94 Tuesday, failing to cover as a 5.5-point road underdog with the Under (238.5) cashing. Miami was led by G Norman Powell, who tallied 21 points on 9-for-17 shooting. The Heat have traded off winning and losing over their last 4 games, going 2-2 against the spread (ATS) in that span. They are 21-16 ATS on the season.

The Pacers, who hadn’t won since Dec. 8, snapped their 13-game losing streak in a 114-112 road win over the Charlotte Hornets Thursday. They covered as a 4.5-point underdog with the Under (232.5) hitting. F Pascal Siakam scored 30 points on 12-for-23 shooting. Indiana, despite its recent struggles, is 4-2 ATS in its last 6 games and 19-19 ATS on the season.

Watch the NBA on Fubo!Heat at Pacers odds

Provided by BetMGM Sportsbook; access USA TODAY Sports Scores and Sports Betting Odds hub for a full list. Lines last updated at 12:10 p.m. ET.

Moneyline (ML): Heat -285 (bet $285 to win $100) | Pacers +225 (bet $100 to win $225)Against the spread (ATS): Heat -7.5 (-102) | Pacers +7.5 (-115)Over/Under (O/U): 234.5 (O: -110 | U: -110)Heat at Pacers key injuries

Heat

F Jaime Jaquez Jr. (illness) questionableG Terry Rozier III (personal) out

Pacers

G Tyrese Haliburton (Achilles’) outF Isaiah Jackson (concussion) outG Bennedict Mathurin (thumb) outG Andrew Nembhard (back) questionableF Obi Toppin (foot) out

For most recent updates: Official NBA injury report.

Heat at Pacers picks and predictionsPrediction

Heat 122, Pacers 116

PASS.

There’s no playable wager here. The Pacers (+225) have lost 7 straight at home and aren’t worth taking as a significant underdog.

BET PACERS +7.5 (-115).

While the Pacers haven’t won often as of late, they have kept games close, especially against tough opponents. They have a 7-point road loss as a 16.5-point underdog to the Rockets and a 2-point home loss as a 8.5-point underdog to the Magic in their previous 6 games. Indiana has gone 2-1 ATS in its last 3 at Gainbridge Fieldhouse.

The Heat are coming off a disappointing 28-point defeat and haven’t performed well when favored recently. They are 3-4 ATS in their last 7 performances as the favorite.

Take PACERS +7.5 (-115).

BET OVER 234.5 (-110).

This game should be played at an ultra-fast tempo. The Heat rank No. 1 in pace, with the Pacers sitting 11th. Indiana also doesn’t defend well, ranking 24th in defensive rating.

Miami is 3-3 O/U in its last 6 games, scoring at least 125 points in 3 of those, while Indiana is 4-4 O/U in its previous 8 games and has given up at least 120 points 6 times. Back OVER 234.5 (-110).

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