Before subsidies, the benchmark silver plan for a 40-year-old in Lake County cost about $499 a month for 2026, and the Indiana average for 2027 is $537 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Lake County for 2026.
If you want someone to shop the Indiana market for you, a broker is the usual route. The 12 offices below sit closest to Gary and list themselves as brokers or independent agencies, which typically means access to more than one insurer.
Health Insurance Brokers near Gary
Licensed agents can compare plans available in Lake County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Indiana.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Gary broker can quote
For 2027, marketplace plans in Indiana come from 4 insurers: Anthem Blue Cross and Blue Shield, Ambetter from MHS (Coordinated Care), UnitedHealthcare and AmeriHealth Caritas. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
How to get ready
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
Checking an agent's license in Indiana
- The Indiana Department of Insurance tells consumers to verify an agent's license on its website under Agent Licensing Information before buying a policy. Source
- The Indiana Department of Insurance licenses insurance producers and regulates insurers in Indiana. Its Consumer Services division helps residents with insurance questions and problems. Source
Frequently asked questions
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
How do I find a good health insurance broker in Gary?
Look for a broker licensed in Indiana who can quote several carriers, is certified with the HealthCare.gov, and has reviews from local clients. You can verify any license with the Indiana insurance regulator.
Brokers in nearby cities
- Lake Station, IN 5 miles
- Griffith, IN 6 miles
- Highland, IN 6 miles
- Hobart, IN 7 miles
- East Chicago, IN 7 miles
- Hammond, IN 8 miles
- Merrillville, IN 8 miles
- Munster, IN 9 miles
- Portage, IN 9 miles
- Schererville, IN 9 miles