66,725
2026 Marketplace plan selections reported by CMS.
Florida · local Marketplace intelligence
ACA Marketplace in Lake County, Florida: 2026 plan data
Quick answer · plan year 2026 data
In Lake County, Florida, 10 insurers offered 196 individual-market medical plans for plan year 2026 (7 Bronze, 1 Catastrophic, 58 Expanded Bronze, 47 Gold, 14 Platinum, 69 Silver). The benchmark plan (second-lowest-cost silver) was $663 a month for a 40-year-old before tax credits, and the lowest-cost bronze (Bronze or Expanded Bronze tier) was $494. CMS counted 66,725 plan selections in Lake County.
Insurers in the 2026 data: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Wellpoint.
These are plan-year 2026 figures from CMS, not a 2027 plan list or a personal quote. What you pay depends on your age, household income and the plan you choose.
Use verified CMS county benchmarks to understand the local Marketplace before you compare your own coverage options. These measures provide context—not a personal quote.
93.2%
of selections received advance premium tax credits (APTC).
$779 → $123
Average monthly premium and average after APTC among the CMS county measures.
Local coverage context in Lake County
Of the 66,725 Marketplace selections CMS reported for 2026, 9,713 were new consumers and 57,012 were returning consumers. CMS also reported 25,106 active reenrollees who switched plans.
CMS reported 26,837 Bronze and 35,612 Silver selections. It also reported 4,082 Gold selections. Metal level does not determine whether a particular plan fits your doctors, prescriptions or expected care.
For broader local context, Florida Department of Health's presentation of Census ACS 2024 data reports 38,885 uninsured residents under age 65 in Lake County. A separate ACS measure reports 90.4% of non-institutionalized civilians had health insurance. These ACS estimates describe the county population; they are not Marketplace eligibility counts.
Population context: Florida Department of Health / U.S. Census Bureau ACS 5-year estimates, Table S2701 (2024).
Local premium benchmark
How the CMS averages compare
These county averages describe 2026 Marketplace selections; they are not a personal quote.
Average premium$779
Average after APTC$123
$656 lower on average among the reported measures (84% difference).
What this means when comparing coverage
CMS reports 62,158 APTC recipients in the county, with average APTC of $704. These are county-level historical Marketplace measures, not a quote or guarantee of your eligibility, premium, savings, plan availability, or provider network.
Check ACA eligibility factors · Understand Marketplace savings · Florida ACA overview
Local evidence
What stands out in Lake County's 2026 ACA Marketplace data?
CMS reports 66,725 plan selections in Lake County. That ranks #18 of 67 Florida counties in this CoveragePath CMS dataset by Marketplace selections. This is enrollment context, not an estimate of how many county residents are eligible.
93.2% of reported selections received APTC. The average premium was $779 and the average after APTC was $123 — a $656 difference in these county-level CMS averages. These averages are not a personal quote or subsidy estimate.
For separate population context, the 2024 ACS uninsured estimate is 9.6%. ACS population insurance statistics and ACA Marketplace eligibility are different measures.
Local marketplace facts
What is available in Lake County?
- Plan selections by age
- Under 35: 40.0% · 35-54: 36.8% · 55-64: 21.0% · 65+: 2.2% Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Benchmark (second-lowest-cost) silver, monthly, age 40, before tax credits
- $663 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Consumers eligible for cost-sharing reductions
- 34,756 of 66,725 (52.1%) Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- New, returning and auto-renewed consumers
- 14.6% new to the Marketplace, 85.4% returning; 17,710 (26.5% of all) were automatically re-enrolled Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Insurers offering Marketplace plans
- Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Wellpoint Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Federally funded Navigator organization for this area
- University of South Florida (virtual only). Listed by CMS as a funded Navigator for this county; a listing is not an endorsement. Services and availability are set by the organization, so confirm with them directly. Source: CMS 2026-2027 Navigator Cooperative Agreement Awardees (budget period Aug 27, 2026 to Aug 26, 2027)
- Lowest-cost bronze, monthly, age 40, before tax credits
- $494 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Plan selections by metal level
- Bronze 40.2% · Silver 53.4% · Gold 6.1% · Platinum, catastrophic and other 0.3% (of 66,725 selections) Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Plans by metal level
- Bronze: 7 · Catastrophic: 1 · Expanded Bronze: 58 · Gold: 47 · Platinum: 14 · Silver: 69 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
How Lake County compares with Florida
Lake County accounts for about 1.5% of the 2026 Marketplace selections in this Florida county dataset. These comparisons use the same sourced county inventory shown on this page.
The county average premium is -$27 versus the selection-weighted Florida county benchmark of $806.
The county average after APTC is +$17 versus the selection-weighted benchmark of $106.
The ACS county uninsured estimate is -1.9 points versus the population-weighted Florida county benchmark of 11.5%.
Method: premium benchmarks are weighted by Marketplace plan selections; the ACS uninsured benchmark is weighted by the ACS county population universe. Suppressed CMS values are not estimated.
Population coverage context
Health coverage context in Lake County
9.6%
ACS estimate for the uninsured share of the Census S2701 population universe.
408,612
People in the ACS health-insurance coverage population universe for this county.
The U.S. Census Bureau's 2024 ACS 5-Year estimate describes population health-insurance coverage in Lake County. It is useful local context, but it does not measure ACA Marketplace eligibility, enrollment, premiums, subsidies, or plan availability. The Marketplace figures above come separately from CMS.
Check the factors that affect ACA eligibility · Compare Florida Marketplace context
Population context source: U.S. Census Bureau, 2020-2024 ACS 5-Year Subject Table S2701 · County FIPS 12069
Source: Centers for Medicare & Medicaid Services, 2026 OEP County-Level Public Use File · Verified September 16, 2026 · County FIPS 12069