Calcium specifically binds to adipocyte plasma membranes, demonstrating two classes of binding sites having affinity constants of 4.5 X 104 M-and 2.0 X 1O0 M-'. Insulin (100 microunits/ml) added directly to the isolated plasma membranes caused no alteration in calcium binding, whereas incubation of the adipocytes with 100 microunits/m of insulin resulted in a 25.0 k 1.6% increase in calcium binding to the subsequently isolated plasma membranes. The increase in calcium binding produced by insulin resulted from an increase in the maximum binding capacities of both classes of binding sites without alteration in their affinity constants. Additionally, a second pool of calcium in adipocyte plasma membranes has been identified by atomic absorption analysis; it was more than two times larger than the maximum binding capacity of the calcium binding system. This pool of calcium was stable, did not participate in the 45Ca2+ exchange, and was unaltered by insulin treatment. A similar stable pool of magnesium exists in plasma membranes and was also unaffected by insulin treatment. The increased capacity of the isolated plasma membranes to bind calcium after insulin treatment of the cells may represent an important bioregulating mechanism and supports the concept that calcium may play an important role in the effector system for insulin.The metabolic effects of insulin are thought to be produced by the interaction of insulin with its receptors on the plasma membranes (1, 2). This concept necessitates the involvement of a second messenger or an effector system to explain the mechanism of the complex cellular pleiotypic response to insulin. Considerable evidence suggests that adenosine 3':5'-cyclic monophosphate (cyclic AMP) does not fulfill the criteria of a second messenger for insulin in adipocytes (3, 4) and other cells (5, 6). Alternatively, the divalent cations, calcium and magnesium, have been proposed as possible second messengers for insulin (7-10), with a large body of indirect evidence to support this theory. Krahl has reported that insulin caused an increased intracellular magnesium concentration in rat hemiuteri (11) and adipose tissue (12) and that calcium and magnesium were necessary for maximum insulin stimulation of protein synthesis (12). Agents which promote an increased concentration of intracellular calcium, such as ouabain, procaine, lanthanum, and calcium ionophores, have been reported to mimic the antilipolytic action of insulin (9, 13, 14). Insulin was found to alter efflux of 45Ca2+ from preloaded fat pads and adipocytes (8, 10). Numerous intracellular enzymes have been reported to be both insulin and calcium sensitive (15)(16)(17)(18) (UDP glucose:glycogen 4-a-glucosyltransferase, EC 2.4.1.11) (18) isolated from adipocytes. Thus, small changes of calcium concentration at critical intracellular loci could have significant metabolic impact.The evaluation of cellular calcium distribution and regulation is difficult because intracellular calcium is highly compartmentalized with estimated concent...