- 9carriers selling 2026 marketplace plans in Lake County
- 196plans on the Lake shelf, from 65 bronze to 47 gold
- $663benchmark silver for a 40 year old in Lake, full price per month
Who sells marketplace plans in Lake County
Nine companies sell in Lake, against ten in the busiest Florida county I track and four in the thinnest. The biggest lineup in Lake belongs to Florida Blue with 72 plans, about 37 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 72 | 24 | 24 | 13 | 11 | EPO 19, HMO 25, POS 14, PPO 14 |
| Ambetter Health | 26 | 8 | 10 | 8 | 0 | HMO 26 |
| Molina Healthcare | 19 | 7 | 5 | 7 | 0 | HMO 19 |
| OscarOscar Health Maintenance Organization of Florida | 19 | 7 | 8 | 4 | 0 | HMO 19 |
| UnitedHealthcare | 17 | 6 | 7 | 4 | 0 | HMO 17 |
| AvMed | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| Wellpoint | 13 | 4 | 4 | 4 | 0 | HMO 13 |
| AmeriHealth Caritas Next | 8 | 3 | 3 | 2 | 0 | HMO 8 |
| CignaCigna Healthcare Leaving for 2027 | 8 | 3 | 3 | 2 | 0 | EPO 8 |
Lake plan counts from the CMS 2026 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.
Leaving Lake County for 2027
Cigna sells 8 of the 196 plans in Lake County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. After that exit, eight carriers are left from the 2026 Lake lineup: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, UnitedHealthcare, AvMed, Wellpoint and AmeriHealth Caritas Next. If you are enrolled with Cigna in Lake, you will get a notice this fall. 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.
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 | $387 | $494 | $1,049 | $988 | $1,579 |
| Lowest silver | $491 | $627 | $1,332 | $1,255 | $2,006 |
| Benchmark silver (second lowest) | $519 | $663 | $1,407 | $1,325 | $2,119 |
| Lowest gold | $493 | $630 | $1,339 | $1,261 | $2,015 |
| Lowest platinum | $823 | $1,052 | $2,234 | $2,104 | $3,364 |
Benchmark silver is the second lowest of the 69 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 $630, between the cheapest silver ($627) and the benchmark ($663). So for anyone in Lake who does not qualify for extra silver discounts, gold costs $3 more than the cheapest silver and gold deductibles here top out at $3,000.
In Lake County the benchmark is $169 above the cheapest bronze at age 40, and 29 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 $663 benchmark minus what the government expects you to pay from your income. A 40 year old in Lake whose expected share is $169 a month or less would pay nothing for the cheapest bronze. At 60 the Lake gap grows to $358 and at 21 it shrinks to $132, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Orange County, the Lake benchmark is $17 lower at 40 and the cheapest bronze is $7 lower. 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 | 1 | 0 | |
| Bronze | 7 | 0 | $6,150 to $10,600 |
| Expanded Bronze | 58 | 17 | $0 to $10,150 |
| Silver | 69 | 0 | $400 to $9,500 |
| Gold | 47 | 7 | $0 to $3,000 |
| Platinum | 14 | 11 | |
| Total | 196 | 35 |
By network type the 196 Lake plans break down as 141 HMO, 27 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. 35 plans in Lake have a $0 medical deductible (17 expanded bronze, 11 platinum and 7 gold). The 17 bronze ones among them still have out of pocket maximums of $9,900 to $10,600, 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 $663 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 2026 plans and prices for Lake County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Lake numbers then. 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.
Questions about Lake County coverage
How many health insurance companies sell marketplace plans in Lake County, Florida?
For 2026, nine carriers sell individual marketplace plans in Lake County: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, UnitedHealthcare, AvMed, Wellpoint, AmeriHealth Caritas Next and Cigna. Together they offer 196 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 $387 a month for a 21 year old, $494 at 40 and $1,049 at 60. In Lake a couple both aged 40 pays $988 for the cheapest bronze, and two 40 year olds with two children pay $1,579. Catastrophic plans in Lake, open only to people under 30 or with a hardship exemption, start at $430 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $663 a month for a 40 year old in Lake County before subsidies. In Lake it is $519 at age 21 and $1,407 at age 60, and the lowest silver plan is $627 at 40.
Which insurance companies are leaving Lake County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. In 2026 it sells 8 plans in Lake County. Eight carriers from the 2026 Lake lineup remain: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, UnitedHealthcare, AvMed, Wellpoint and AmeriHealth Caritas Next. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO or a $0 deductible plan in Lake County?
Yes to both. 14 of the 196 plans in Lake are PPOs, all from Florida Blue, and 35 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Lake is $630 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 2026 (public use file), Lake County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- healthinsurance.org, ACA open enrollment deadlines