What ACA marketplace plans are available in Lakeland, Florida in 2026?
Lakeland, Florida (population 119,961), covering ZIP codes 33801, 33802, 33803, 33804, 33805 and 8 more sits in Polk County, where 159 ACA marketplace plans from 7 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $661 per month for a 40-year-old. 2027 plans for Polk County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Updated July 23, 2026 · Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, licensed in Florida (License #G064409) · reviewed Jul 25, 2026
Three lowest-cost silver plans at age 40
- Ambetter Health — Clarity Silver · $646.99/mo · deductible $8,000 · MOOP $8,400
- Wellpoint — Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) · $660.96/mo · deductible $3,500 · MOOP $10,150
- Wellpoint — Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) · $663.61/mo · deductible $1,850 · MOOP $9,100
See the Lakeland city page with stats and ZIP codes →
Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).