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Marketplace health plans in Lake County, FL — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Lake County, Florida has 196 Marketplace health plans from 10 insurers: 65 bronze, 69 silver, 47 gold, 14 platinum, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $662.67 per month; the lowest bronze premium is $493.99.
What changed vs 2025
- Benchmark silver premium up $153.80 a month (+30.2%) from 2025
- 7 more plans than 2025
- Insurers entered: AmeriHealth Caritas Next, Molina Healthcare, Oscar Health Maintenance Organization of Florida
- Insurers exited: Aetna CVS Health, Health First Commercial Plans, Inc., Oscar Insurance Company of Florida
- Lowest bronze premium up $105.86 a month
Market snapshot
- Residents under 65
- 303,061
- Insurers
- 10
- Plans by metal level
- 65 bronze, 69 silver, 47 gold, 14 platinum, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $662.67/mo
- Lowest bronze premium, age 40, before subsidies
- $493.99/mo
- Lowest gold premium, age 40, before subsidies
- $630.39/mo
- Lowest silver deductible
- $400
- Lowest out-of-pocket maximum
- $2,250
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 39 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 26 plans (Bronze, Silver, Gold)
- Molina Healthcare — 19 plans (Bronze, Silver, Gold)
- Oscar Health Maintenance Organization of Florida — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- AvMed — 14 plans (Bronze, Silver, Gold, Platinum)
- Wellpoint — 13 plans (Catastrophic, Bronze, Silver, Gold)
- AmeriHealth Caritas Next — 8 plans (Bronze, Silver, Gold)
- Cigna Healthcare — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | Wellpoint Essential Catastrophic (+ Incentives) (44228FL0040004) | Wellpoint | HMO | $549.82 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Everyday Bronze (49004FL0010002) | Ambetter Health | HMO | $493.99 | $8,450 | $10,150 | 65 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $627.32 | $8,000 | $8,400 | 69 |
|---|
| Gold | Gold Simple | with AdventHealth (21525FL0010023) | Oscar Health Maintenance Organization of Florida | HMO | $630.39 | $3,000 | $9,950 | 47 |
|---|
| Platinum | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0120062) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,052.13 | $1,000 | $4,000 | 14 |
|---|
One plan per metal level shown, of 196 plans in the county.
Benchmark silver premium by age
The benchmark plan (AmeriHealth Caritas Next) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $518.53 | $543.41 | $588.53 | $662.67 | $926.08 | $1,407.27 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.