- 7carriers selling 2027 marketplace plans in Lake County
- 182plans on the Lake shelf, from 60 bronze to 44 gold
- $703benchmark silver for a 40 year old in Lake, full price per month
Who sells marketplace plans in Lake County
Seven companies sell in Lake, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 74 of the 182 plans in Lake, 41 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 74 | 25 | 25 | 14 | 9 | EPO 19, HMO 27, POS 14, PPO 14 |
| OscarOscar Health Maintenance Organization of Florida | 36 | 13 | 14 | 9 | 0 | HMO 36 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| UnitedHealthcare | 16 | 5 | 6 | 5 | 0 | HMO 16 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AvMed | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| AmeriHealth Caritas Next | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Lake plan counts from the CMS 2027 landscape file (county FIPS 12069, Rating Area 34). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Lake County for 2027
Molina Healthcare and Cigna together sold 27 of the 196 plans in Lake County in 2026 and have no plans here in the 2027 CMS file. If you were enrolled with either company, you should have a notice by now. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions. Lake now has seven carriers and 182 plans, against nine carriers and 196 plans in 2026.
What it costs in Lake County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Lake plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Lake pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $426 | $544 | $1,156 | $1,089 | $1,740 |
| Lowest silver | $521 | $665 | $1,413 | $1,331 | $2,127 |
| Benchmark silver (second lowest) | $550 | $703 | $1,492 | $1,405 | $2,247 |
| Lowest gold | $538 | $688 | $1,461 | $1,376 | $2,200 |
| Lowest platinum | $981 | $1,254 | $2,663 | $2,508 | $4,009 |
Benchmark silver is the second lowest of the 64 silver premiums listed for Lake. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Lake County
Gold and silver are almost the same price in Lake County. The cheapest gold at 40 is $688, between the cheapest silver ($665) and the benchmark ($703). So for anyone in Lake who does not qualify for extra silver discounts, gold costs $23 more than the cheapest silver and gold deductibles here top out at $2,750.
In Lake County the benchmark is $158 above the cheapest bronze at age 40, and 19 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $703 benchmark minus what the government expects you to pay from your income. A 40 year old in Lake whose expected share is $158 a month or less would pay nothing for the cheapest bronze. At 60 the Lake gap grows to $336 and at 21 it shrinks to $124, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Orange County, the Lake benchmark is $15 lower at 40 and the cheapest bronze is $7 higher. Health First sells in Orange County and not in Lake.
Lake plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 3 | 0 | $11,750 to $12,000 |
| Expanded Bronze | 57 | 14 | $0 to $10,150 |
| Silver | 64 | 2 | $0 to $11,925 |
| Gold | 44 | 8 | $0 to $2,750 |
| Platinum | 12 | 9 | |
| Total | 182 | 33 |
By network type the 182 Lake plans break down as 135 HMO, 19 EPO, 14 POS and 14 PPO. Only 14 are PPOs, and every one of them comes from Florida Blue. If seeing specialists without a referral matters to you, that narrows the Lake shelf to one company. 33 plans in Lake have a $0 medical deductible (14 expanded bronze, 9 platinum, 8 gold and 2 silver). The 14 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, so a $0 deductible does not mean a small bill.
Every Lake price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Lake the premium tax credit is measured against the $703 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Lake numbers for you.
2027 plans for Lake County
These are the 2027 plans and prices for Lake County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Florida runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Lake plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Lake County coverage
How many health insurance companies sell marketplace plans in Lake County, Florida?
For 2027, seven carriers sell individual marketplace plans in Lake County: Florida Blue, Oscar, Ambetter Health, UnitedHealthcare, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 182 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Lake County?
At full price before any subsidy, the cheapest bronze plan in Lake County is $426 a month for a 21 year old, $544 at 40 and $1,156 at 60. In Lake a couple both aged 40 pays $1,089 for the cheapest bronze, and two 40 year olds with two children pay $1,740. Catastrophic plans in Lake, open only to people under 30 or with a hardship exemption, start at $340 at age 21. Most people in Lake who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Lake County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $703 a month for a 40 year old in Lake County before subsidies. In Lake it is $550 at age 21 and $1,492 at age 60, and the lowest silver plan is $665 at 40.
Which insurance companies left Lake County for 2027?
Molina Healthcare and Cigna sold 27 plans in Lake County in 2026 and have no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Florida Blue, Oscar, Ambetter Health, UnitedHealthcare, Wellpoint, AvMed and AmeriHealth Caritas Next. No new carrier entered for 2027.
Can I get a PPO or a $0 deductible plan in Lake County?
Yes to both. 14 of the 182 plans in Lake are PPOs, all from Florida Blue, and 33 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Lake is $688 a month before subsidies.
More for Lake County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Lake compares with the other 78 counties and parishes I track
- Estimate a Lake subsidy
Get your Lake County quote
Send me your ZIP and who needs coverage and I will compare every Lake plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), Lake County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines