18,741
2026 Marketplace plan selections reported by CMS.
Indiana Marketplace intelligence
2027 ACA Marketplace in Lake County
Use verified 2026 CMS county evidence as a local benchmark while comparing 2027 Marketplace coverage. Historical averages are context, not a personal quote or current plan list.
86.5%
of selections received advance premium tax credits (APTC).
$648 → $197
Average monthly premium and average after APTC among the CMS county measures.
Local premium benchmark
How the CMS averages compare
These county averages describe 2026 Marketplace selections; they are not a personal quote.
Average premium$648
Average after APTC$197
$451 lower on average among the reported measures (70% difference).
What this means when comparing coverage
CMS reports 16,208 APTC recipients in the county, with average APTC of $521. These are county-level historical Marketplace measures, not a quote or guarantee of your eligibility, premium, savings, plan availability, or provider network.
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Local evidence
What stands out in Lake County's 2026 ACA Marketplace data?
CMS reports 18,741 plan selections in Lake County. That ranks #3 of 92 Indiana counties in this CoveragePath CMS dataset by Marketplace selections. This is enrollment context, not an estimate of how many county residents are eligible.
86.5% of reported selections received APTC. The average premium was $648 and the average after APTC was $197 — a $451 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 6.6%. 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: 33.1% · 35-54: 40.8% · 55-64: 25.2% · 65+: 0.9% Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)
- Consumers eligible for cost-sharing reductions
- 9,604 of 18,741 (51.2%) Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)
- New, returning and auto-renewed consumers
- 13.3% new to the Marketplace, 86.7% returning; 9,654 (51.5% of all) were automatically re-enrolled Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)
- Plan selections by metal level
- Bronze 36.5% · Silver 61.2% · Gold 2.1% · Platinum, catastrophic and other 0.1% (of 18,741 selections) Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)
How Lake County compares with Indiana
Lake County accounts for about 6.2% of the 2026 Marketplace selections in this Indiana county dataset. These comparisons use the same sourced county inventory shown on this page.
The county average premium is +$25 versus the selection-weighted Indiana county benchmark of $623.
The county average after APTC is -$26 versus the selection-weighted benchmark of $223.
The ACS county uninsured estimate is -0.8 points versus the population-weighted Indiana county benchmark of 7.4%.
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
6.6%
ACS estimate for the uninsured share of the Census S2701 population universe.
496,403
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.
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Population context source: U.S. Census Bureau, 2020-2024 ACS 5-Year Subject Table S2701 · County FIPS 18089
Source: Centers for Medicare & Medicaid Services, 2026 OEP County-Level Public Use File · Verified September 17, 2026 · County FIPS 18089