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Marketplace health plans in Lee County, FL — 2027
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 2027, Lee County, Florida has 135 Marketplace health plans from 6 insurers: 44 bronze, 48 silver, 32 gold, 9 platinum, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $836.11 per month; the lowest bronze premium is $659.22.
What changed vs 2026
- Benchmark silver premium up $118.81 a month (+16.6%) from 2026
- 3 more plans than 2026
- Lowest bronze premium up $120.70 a month
Market snapshot
- Residents under 65
- 581,117
- Insurers
- 6
- Plans by metal level
- 44 bronze, 48 silver, 32 gold, 9 platinum, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $836.11/mo
- Lowest bronze premium, age 40, before subsidies
- $659.22/mo
- Lowest gold premium, age 40, before subsidies
- $893.06/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,000
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 41 plans (Catastrophic, Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 16 plans (Bronze, Silver, Gold)
- Wellpoint — 15 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 | myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) (30252FL0210014) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $538.03 | $12,000 | $12,000 | 2 |
| Bronze | Wellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives) (44228FL0040005) | Wellpoint | HMO | $659.22 | $6,000 | $12,000 | 44 |
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $810.12 | $8,000 | $9,400 | 48 |
| Gold | Signature Gold (49004FL0010013) | Ambetter Health | HMO | $893.06 | $2,500 | $8,600 | 32 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $2,003.37 | $1,500 | $4,250 | 9 |
One plan per metal level shown, of 135 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 |
|---|---|---|---|---|---|
| $654.23 | $685.63 | $742.55 | $836.11 | $1,168.45 | $1,775.58 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.