- 3carriers selling 2026 marketplace plans in Lake County
- 47plans on the Lake shelf, from 12 bronze to 14 gold
- $499benchmark silver for a 40 year old in Lake, full price per month
Who sells marketplace plans in Lake County
Lake County has fewer carriers than Marion County, the other Indiana county I track, three against four. Across all 79 counties and parishes I track in 24 states, 62 have more carriers than Lake. CareSource alone accounts for 22 of the 47 plans in Lake, 47 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 |
|---|---|---|---|---|---|---|
| CareSource Leaving for 2027 | 22 | 5 | 9 | 6 | 2 | HMO 22 |
| Anthem Blue Cross and Blue Shield | 15 | 7 | 5 | 2 | 0 | HMO 13, POS 2 |
| Ambetter Health | 10 | 0 | 4 | 6 | 0 | HMO 10 |
Lake plan counts from the CMS 2026 landscape file (county FIPS 18089, Rating Area 1). 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
CareSource sells 22 of the 47 plans in Lake County this year. CareSource is leaving the Indiana individual market for 2027. After that exit, two carriers are left from the 2026 Lake lineup: Anthem Blue Cross and Blue Shield and Ambetter Health. If you are enrolled with CareSource 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 | $329 | $421 | $893 | $841 | $1,344 |
| Lowest silver | $385 | $492 | $1,046 | $985 | $1,574 |
| Benchmark silver (second lowest) | $391 | $499 | $1,060 | $998 | $1,596 |
| Lowest gold | $591 | $756 | $1,605 | $1,511 | $2,416 |
| Lowest platinum | $813 | $1,039 | $2,207 | $2,078 | $3,322 |
Benchmark silver is the second lowest of the 18 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
Lake County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $756, which is $256 above the benchmark silver and $263 above the cheapest silver. In Lake the extra gold premium pays for a lower deductible rather than coming free.
In Lake County the benchmark is $79 above the cheapest bronze at age 40, and two 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 $499 benchmark minus what the government expects you to pay from your income. A 40 year old in Lake whose expected share is $79 a month or less would pay nothing for the cheapest bronze. At 60 the Lake gap grows to $167 and at 21 it shrinks to $62, which is why older enrollees are the ones most likely to find a $0 plan.
Marion County, around Indianapolis, is the other Indiana county I track. Compared with Marion County, the Lake benchmark is $24 higher at 40 and the cheapest bronze is $20 higher. Cigna sells in Marion County and not in Lake.
Lake plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 1 | 0 | |
| Bronze | 2 | 0 | $10,150 to $10,150 |
| Expanded Bronze | 10 | 0 | $4,500 to $10,600 |
| Silver | 18 | 0 | $3,500 to $7,000 |
| Gold | 14 | 2 | $0 to $3,000 |
| Platinum | 2 | 2 | |
| Total | 47 | 4 |
There is not a single PPO on the 2026 marketplace in Lake County. The 47 plans split into 45 HMO and 2 POS. Outside emergencies, the 45 HMO plans in Lake generally pay nothing out of network, so the network list matters more than the premium. 4 plans in Lake have a $0 medical deductible (2 gold and 2 platinum). They cost more each month, but nothing has to be spent before the plan starts paying.
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 $499 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 Indiana 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, Indiana?
For 2026, three carriers sell individual marketplace plans in Lake County: CareSource, Anthem Blue Cross and Blue Shield and Ambetter Health. Together they offer 47 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 $329 a month for a 21 year old, $421 at 40 and $893 at 60. In Lake a couple both aged 40 pays $841 for the cheapest bronze, and two 40 year olds with two children pay $1,344. Catastrophic plans in Lake, open only to people under 30 or with a hardship exemption, start at $326 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 $499 a month for a 40 year old in Lake County before subsidies. In Lake it is $391 at age 21 and $1,060 at age 60, and the lowest silver plan is $492 at 40.
Which insurance companies are leaving Lake County for 2027?
CareSource is leaving the Indiana individual market for 2027. In 2026 it sells 22 plans in Lake County. Two carriers from the 2026 Lake lineup remain: Anthem Blue Cross and Blue Shield and Ambetter Health. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO plan in Lake County?
Not on the 2026 marketplace. All 47 plans in Lake County are HMO or POS plans. 4 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Lake is $756 a month before subsidies.
More for Lake County residents
- Health insurance brokers in Indiana, how to choose one and what it costs
- Every 2027 carrier change in Indiana
- 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
- ACA Signups, Indiana 2027 rate filings and carrier withdrawals
- healthinsurance.org, ACA open enrollment deadlines