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Marketplace health plans in Lake County, FL — 2027
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 2027, Lake County, Florida has 182 Marketplace health plans from 8 insurers: 60 bronze, 64 silver, 44 gold, 12 platinum, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $702.72 per month; the lowest bronze premium is $544.35.
What changed vs 2026
- Benchmark silver premium up $40.05 a month (+6.0%) from 2026
- 14 fewer plans than 2026
- Insurers exited: Cigna Healthcare, Molina Healthcare
- Lowest bronze premium up $50.36 a month
Market snapshot
- Residents under 65
- 303,061
- Insurers
- 8
- Plans by metal level
- 60 bronze, 64 silver, 44 gold, 12 platinum, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $702.72/mo
- Lowest bronze premium, age 40, before subsidies
- $544.35/mo
- Lowest gold premium, age 40, before subsidies
- $688.12/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,000
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 41 plans (Catastrophic, Bronze, Silver, Gold, Platinum)
- Oscar Health Maintenance Organization of Florida — 36 plans (Bronze, Silver, Gold)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 16 plans (Bronze, Silver, Gold)
- Wellpoint — 15 plans (Catastrophic, Bronze, Silver, Gold)
- AvMed — 14 plans (Bronze, Silver, Gold, Platinum)
- AmeriHealth Caritas Next — 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 | myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) (30252FL0210014) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $435.04 | $12,000 | $12,000 | 2 |
| Bronze | myBlue Essentials Bronze (HSA) 27M07-30 (Rewards) (30252FL0210020) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $544.35 | $11,975 | $12,000 | 60 |
| Silver | Thrive Silver (49004FL0010050) | Ambetter Health | HMO | $665.25 | $8,000 | $9,400 | 64 |
| Gold | Gold Basic | with AdventHealth (21525FL0010071) | Oscar Health Maintenance Organization of Florida | HMO | $688.12 | $0 | $11,400 | 44 |
| Platinum | AvMed Entrust Platinum 25 (2027) (19898FL0340020) | AvMed | HMO | $1,254 | $0 | $7,750 | 12 |
One plan per metal level shown, of 182 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter Health) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $549.87 | $576.25 | $624.09 | $702.72 | $982.05 | $1,492.32 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.