Health insurance plans in Lake County, Indiana (2027)

• 2carriers selling 2027 marketplace plans in Lake County
• 31plans on the Lake shelf, from 13 bronze to 7 gold
• $611benchmark 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, two against four. Across all 79 counties and parishes I track, 69 have more carriers than Lake. Ambetter Health alone accounts for 18 of the 31 plans in Lake, 58 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Lake plan counts from the CMS 2027 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.

What changed in Lake County for 2027

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.

Benchmark silver is the second lowest of the 10 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 $869, which is $259 above the benchmark silver and $269 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 $78 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 $611 benchmark minus what the government expects you to pay from your income. A 40 year old in Lake whose expected share is $78 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 $61, 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 $80 higher at 40 and the cheapest bronze is $70 higher. AmeriHealth Caritas Next and UnitedHealthcare sell in Marion County and not in Lake.

Lake plans by metal level, network and deductible

There is not a single PPO on the 2027 marketplace in Lake County. The 31 plans split into 29 HMO and 2 POS. Outside emergencies, the 29 HMO plans in Lake generally pay nothing out of network, so the network list matters more than the premium. 2 plans in Lake have a $0 medical deductible (2 gold). They cost more each month, but nothing has to be spent before the plan starts paying.

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 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. 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

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