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Marketplace health plans in Lee County, FL — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Lee County, Florida has 132 Marketplace health plans from 6 insurers: 43 bronze, 47 silver, 30 gold, 11 platinum, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $717.30 per month; the lowest bronze premium is $538.52.
What changed vs 2025
- Benchmark silver premium up $158.88 a month (+28.5%) from 2025
- 7 fewer plans than 2025
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $108.63 a month
Market snapshot
- Residents under 65
- 581,117
- Insurers
- 6
- Plans by metal level
- 43 bronze, 47 silver, 30 gold, 11 platinum, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $717.30/mo
- Lowest bronze premium, age 40, before subsidies
- $538.52/mo
- Lowest gold premium, age 40, before subsidies
- $768.69/mo
- Lowest silver deductible
- $1,850
- Lowest out-of-pocket maximum
- $2,250
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 39 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Wellpoint — 13 plans (Catastrophic, Bronze, Silver, Gold)
- AvMed — 11 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | Wellpoint Essential Catastrophic (+ Incentives) (44228FL0040004) | Wellpoint | HMO | $521.92 | $10,600 | $10,600 | 1 |
|---|
| Bronze | UHC Bronze Essential- ($0 Virtual Urgent Care) (68398FL0090001) | UnitedHealthcare | HMO | $538.52 | $10,600 | $10,600 | 43 |
|---|
| Silver | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) (68398FL0030046) | UnitedHealthcare | HMO | $712.73 | $4,500 | $9,900 | 47 |
|---|
| Gold | Standard Gold (49004FL0010013) | Ambetter Health | HMO | $768.69 | $2,000 | $8,200 | 30 |
|---|
| Platinum | myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) (30252FL0070027) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $1,446.21 | $0 | $2,250 | 11 |
|---|
One plan per metal level shown, of 132 plans in the county.
Benchmark silver premium by age
The benchmark plan (Wellpoint) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $561.27 | $588.21 | $637.04 | $717.30 | $1,002.43 | $1,523.29 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.