- 5carriers selling 2027 marketplace plans in Lee County
- 135plans on the Lee shelf, from 44 bronze to 32 gold
- $836benchmark silver for a 40 year old in Lee, full price per month
Who sells marketplace plans in Lee County
Five companies sell in Lee, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 74 of the 135 plans in Lee, 55 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 74 | 25 | 25 | 14 | 9 | EPO 19, HMO 27, POS 14, PPO 14 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| UnitedHealthcare | 16 | 5 | 6 | 5 | 0 | HMO 16 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AvMed | 11 | 3 | 5 | 3 | 0 | HMO 11 |
Lee plan counts from the CMS 2027 landscape file (county FIPS 12071, Rating Area 35). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What it costs in Lee County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Lee plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Lee pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $516 | $659 | $1,400 | $1,318 | $2,108 |
| Lowest silver | $634 | $810 | $1,720 | $1,620 | $2,590 |
| Benchmark silver (second lowest) | $654 | $836 | $1,776 | $1,672 | $2,673 |
| Lowest gold | $699 | $893 | $1,897 | $1,786 | $2,855 |
| Lowest platinum | $1,568 | $2,003 | $4,254 | $4,007 | $6,405 |
Benchmark silver is the second lowest of the 48 silver premiums listed for Lee. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Lee County
Lee County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $893, which is $57 above the benchmark silver and $83 above the cheapest silver. In Lee the extra gold premium pays for a lower deductible rather than coming free.
In Lee County the benchmark is $177 above the cheapest bronze at age 40, and 33 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $836 benchmark minus what the government expects you to pay from your income. A 40 year old in Lee whose expected share is $177 a month or less would pay nothing for the cheapest bronze. At 60 the Lee gap grows to $376 and at 21 it shrinks to $138, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Sarasota County, the Lee benchmark is $106 higher at 40 and the cheapest bronze is $110 higher. AvMed and UnitedHealthcare sell in Lee and not in Sarasota County. AmeriHealth Caritas Next and Oscar sell in Sarasota County and not in Lee.
Lee plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 2 | 0 | $11,750 to $11,975 |
| Expanded Bronze | 42 | 12 | $0 to $10,150 |
| Silver | 48 | 2 | $0 to $11,925 |
| Gold | 32 | 6 | $0 to $2,500 |
| Platinum | 9 | 6 | |
| Total | 135 | 26 |
By network type the 135 Lee plans break down as 88 HMO, 19 EPO, 14 POS and 14 PPO. Only 14 are PPOs, and every one of them comes from Florida Blue. If seeing specialists without a referral matters to you, that narrows the Lee shelf to one company. 26 plans in Lee have a $0 medical deductible (12 expanded bronze, 6 platinum, 6 gold and 2 silver). The 12 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, so a $0 deductible does not mean a small bill.
Every Lee price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Lee the premium tax credit is measured against the $836 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Lee numbers for you.
2027 plans for Lee County
These are the 2027 plans and prices for Lee County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Florida runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Lee plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Lee County coverage
How many health insurance companies sell marketplace plans in Lee County, Florida?
For 2027, five carriers sell individual marketplace plans in Lee County: Florida Blue, Ambetter Health, UnitedHealthcare, Wellpoint and AvMed. Together they offer 135 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Lee County?
At full price before any subsidy, the cheapest bronze plan in Lee County is $516 a month for a 21 year old, $659 at 40 and $1,400 at 60. In Lee a couple both aged 40 pays $1,318 for the cheapest bronze, and two 40 year olds with two children pay $2,108. Catastrophic plans in Lee, open only to people under 30 or with a hardship exemption, start at $421 at age 21. Most people in Lee who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Lee County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $836 a month for a 40 year old in Lee County before subsidies. In Lee it is $654 at age 21 and $1,776 at age 60, and the lowest silver plan is $810 at 40.
Did any insurance company leave Lee County for 2027?
No. Every carrier that sold plans in Lee County in 2026 also has plans there in the 2027 CMS plan file. Plans and networks inside each company can still change, so read your renewal notice.
Can I get a PPO or a $0 deductible plan in Lee County?
Yes to both. 14 of the 135 plans in Lee are PPOs, all from Florida Blue, and 26 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Lee is $893 a month before subsidies.
More for Lee County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Lee compares with the other 78 counties and parishes I track
- Estimate a Lee subsidy
Get your Lee County quote
Send me your ZIP and who needs coverage and I will compare every Lee plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), Lee County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines