Health insurance plans in Lake County, FL (2026)
410 marketplace plans from 16 insurers are offered in Lake County. The cheapest silver plan is $572 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $445 | 125 |
| Silver | $572 | 161 |
| Gold | $545 | 97 |
| Platinum | $980 | 25 |
| Catastrophic | $338 | 2 |
All plans in Lake County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Health First Commercial Plans, Inc. | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) | Catastrophic | HMO | — | — | $338 |
| Health First Commercial Plans, Inc. | Bronze Value 1814 (High Value Network Savings, Open Access) | Bronze | HMO | — | — | $445 |
| Health First Commercial Plans, Inc. | Bronze Value 1814 + Adult Dental + Adult Vision (High Value Network Savings, Open Access) | Bronze | HMO | — | — | $469 |
| Capital Health Plan | Capital Health Plan HMO Bronze 1100 | Bronze | HMO | — | — | $499 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | HMO | — | — | $508 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Essential + No Referrals | Bronze | HMO | — | — | $511 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Bronze | HMO | — | — | $514 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Bronze | HMO | — | — | $514 |
| Florida Health Care Plans | Gym Access IND Bronze HMO 1340 | Bronze | HMO | — | — | $519 |
| Capital Health Plan | Capital Health Plan HMO Bronze 1000 | Bronze | HMO | — | — | $521 |
| 22 Health | Bronze 22 Health | Bronze | HMO | — | — | $531 |
| Health First Commercial Plans, Inc. | Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) | Bronze | HMO | — | — | $532 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | with AdventHealth | Bronze | HMO | — | — | $536 |
| Health First Commercial Plans, Inc. | Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Gold | HMO | $2,200 | — | $545 |
| Health First Commercial Plans, Inc. | Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Gold | HMO | $2,200 | — | $545 |
| Ambetter Health | Everyday Bronze | Bronze | HMO | — | — | $546 |
| Ambetter Health | Standard Expanded Bronze | Bronze | HMO | — | — | $548 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic 4700 | with AdventHealth | Bronze | HMO | — | — | $550 |
| AvMed | AvMed Entrust Expanded Bronze Standard (2026) | Bronze | HMO | — | — | $550 |
| Wellpoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | — | — | $554 |
| AvMed | AvMed Entrust Bronze 650 (2026) | Bronze | HMO | — | — | $558 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 26M01-23 (Rewards) | Bronze | HMO | — | — | $559 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $561 |
| Health First Commercial Plans, Inc. | Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) | Bronze | HMO | — | — | $562 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | Bronze | HMO | — | — | $562 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $563 |
| Health First Commercial Plans, Inc. | Bronze Standard 1828 | Bronze | HMO | — | — | $567 |
| AvMed | AvMed Entrust Bronze 600 (2026) | Bronze | HMO | — | — | $567 |
| Cigna Healthcare | Connect Bronze Orlando CMS Standard | Bronze | EPO | — | — | $567 |
| Florida Health Care Plans | Gym Access IND Bronze HMO OA Standard 2450 | Bronze | HMO | — | — | $567 |
| Cigna Healthcare | Connect Bronze Orlando 6000 Indiv Med Deductible | Bronze | EPO | — | — | $568 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 26M02-24 (Rewards) | Bronze | HMO | — | — | $569 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes | Bronze | HMO | — | — | $569 |
| Health First Commercial Plans, Inc. | Gold Value 1819 + Adult Dental + Adult Vision ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Gold | HMO | $2,200 | — | $570 |
| Cigna Healthcare | Connect Bronze Mid-South CMS Standard | Bronze | EPO | — | — | $570 |
| Health First Commercial Plans, Inc. | Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | Silver | HMO | $4,700 | — | $572 |
| Health First Commercial Plans, Inc. | Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | Silver | HMO | $4,700 | — | $574 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Chronic Care CKM | Bronze | HMO | — | — | $576 |
| Cigna Healthcare | Connect Bronze Orlando 3000 Indiv Med Deductible | Bronze | EPO | $3,000 | — | $577 |
| Cigna Healthcare | Connect Bronze Mid-South 5500 Indiv Med Deductible | Bronze | EPO | — | — | $579 |
Showing 40 of 410 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $447 |
| 40 | $572 |
| 60 | $1,214 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Florida · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Lake County County?
The cheapest plan for a 40-year-old non-smoker is $338 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $572.
How much does health insurance cost in Lake County County?
For a 40-year-old non-smoker the cheapest plans in Lake County start around $338 a month before subsidies. Silver plans cost from $572; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Lake County County?
16 insurers filed 410 plan options for this county in the 2026 CMS file.