What health insurance costs without a subsidy in Lee County, Florida (2026)
In Lee County, Florida, the benchmark silver plan costs $717.30/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $521.92 to $2368.12. A 60-year-old pays at least $1108.37/month, a 21-year-old at least $408.39. 6 insurers offer 132 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $408.39/mo
- Age 40 — starting at $521.92/mo
- Age 60 — starting at $1108.37/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $538.52/mo
- Silver — starting at $712.73/mo
- Gold — starting at $768.69/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter Health, AvMed, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), UnitedHealthcare, Wellpoint
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Lee County (FIPS 12071).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Florida
- Monroe County — $1277.62/mo benchmark
- Hamilton County — $1263.70/mo benchmark
- Lafayette County — $991.19/mo benchmark
- Union County — $949.75/mo benchmark
- Washington County — $898.81/mo benchmark
Plans available in this county (132)
- UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $538.52/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $538.59/mo @ 40
- myBlue Bronze 26M02-24 (Rewards) — Bronze · $639.86/mo @ 40
- BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $736.64/mo @ 40
- BlueCare Bronze 24K01-05 (Rewards) — Bronze · $800.39/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $978.99/mo @ 40
- Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $521.92/mo @ 40
- Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $553.53/mo @ 40
- Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $562.05/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $564.27/mo @ 40
- Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Expanded Bronze · $566.90/mo @ 40
- Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $572.45/mo @ 40
- Everyday Bronze — Expanded Bronze · $579.88/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $581.66/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $584.13/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $584.63/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $595.57/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $597.40/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $604.49/mo @ 40
- Elite Bronze — Expanded Bronze · $662.36/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $680.28/mo @ 40
- myBlue Bronze 2322S ($50 PCP Visits / Rewards) — Expanded Bronze · $722.34/mo @ 40
- myBlue Bronze 2286 ($75 PCP Visits / Rewards) — Expanded Bronze · $723.68/mo @ 40
- myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards) — Expanded Bronze · $731.67/mo @ 40
- BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $764.44/mo @ 40
- BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $770.98/mo @ 40
- BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $776.42/mo @ 40
- myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $780.17/mo @ 40
- myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $785.09/mo @ 40
- myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $795.39/mo @ 40
- BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $809.69/mo @ 40
- BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $813.97/mo @ 40
- BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $822.56/mo @ 40
- BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $845.15/mo @ 40
- BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) — Expanded Bronze · $845.28/mo @ 40
- AvMed Entrust Expanded Bronze Standard (2026) — Expanded Bronze · $853.31/mo @ 40
- BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $864.55/mo @ 40
- AvMed Entrust Bronze 650 (2026) — Expanded Bronze · $865.55/mo @ 40
- AvMed Entrust Bronze 600 (2026) — Expanded Bronze · $878.61/mo @ 40
- BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $913.67/mo @ 40
Showing first 40 of 132 plans on file.
Reviewed by Jason Burns, Editorial Steward.