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. 2027 plans for Lee County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

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.

Call 1-855-333-3555 — private U65 quote See your subsidized price at acadirectanswers.com

Estimate your own number →

Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Lee County (FIPS 12071).
HealthCare.gov (opens in new tab) — 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

All Florida counties →

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. Every remaining plan is listed below.

All other plans in Lee County

BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze
Standard Gold — Gold
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Everyday Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Gold
Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold — Gold
UHC Gold Standard — Gold
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold
Complete Gold + Vision + Adult Dental — Gold
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — Gold
myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
myBlue Gold 2011 ($0 Labs / Rewards) — Gold
BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold
BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
AvMed Entrust Gold Standard (2026) — Gold
BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold
BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) — Gold
AvMed Entrust Gold 125 (2026) — Gold
AvMed Entrust Gold 125 Dental+Vision (2026) — Gold
BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold
BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold
myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Silver
Clarity Silver — Silver
UHC Silver Standard- — Silver
UHC Silver Standard — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
UHC Silver Standard+ (Dental + Vision) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
Standard Silver — Silver
Focused Silver — Silver
Standard Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Focused Silver + Vision + Adult Dental — Silver
myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards) — Silver
myBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards) — Silver
myBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 25M02-03V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) — Silver
myBlue Silver 25M02-03E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards) — Silver
myBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards) — Silver
myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2010 (Rewards) — Silver
myBlue Silver 2010V (Adult Vision / Rewards) — Silver
myBlue Silver 2010E (Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueSelect Silver 1443 ($10 Labs / Rewards) — Silver
BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) — Silver
BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) — Silver
BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueSelect Silver 1456 ($50 PCP Visits / Rewards) — Silver
AvMed Entrust Silver Standard (2026) — Silver
AvMed Entrust Silver 550 (2026) — Silver
AvMed Entrust Silver 550 Dental+Vision (2026) — Silver
BlueCare Silver 24K01-02 ($10 Labs / Rewards) — Silver
AvMed Entrust Silver 350 (2026) — Silver
AvMed Entrust Silver 350 Dental+Vision (2026) — Silver
BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) — Silver
BlueOptions Silver 24J01-03 ($10 Labs / Rewards) — Silver
BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) — Silver

Reviewed by Jason Burns, Editorial Steward.

Reviewed by Heather Fabrizio, licensed in Florida (License #G064409) · reviewed Jul 27, 2026