Florida
Cheapest ACA plans in Lee County, Florida for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Lee County, Florida (Fort Myers and Cape Coral) sits on the Gulf Coast in southwest Florida. Five on-exchange carriers compete here, led by Florida Blue (72 plans), Ambetter (Centene), and UnitedHealthcare, with Molina and Oscar also selling. Plans sell through HealthCare.gov; Florida runs no state premium-subsidy program, so federal APTC is the only subsidy layer for 2026. The county's 132 on-exchange plans put it inside the top tier of FFM market depth, reflecting Florida's status as the largest FFM enrollment state nationally.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Lee County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Lee County |
|---|---|---|
| Catastrophic | $522 | 1 |
| Bronze | $539 | 6 |
| Expanded Bronze | $554 | 37 |
| Silver | $713 | 47 |
| Gold | $769 | 30 |
| Platinum | $1,446 | 11 |
The actual cheapest Bronze plan in Lee County
UnitedHealthcare UHC Bronze Essential- ($0 Virtual Urgent Care)
$539/moFor a family of four (two 40-year-olds and two kids under 14): UnitedHealthcare UHC Bronze Essential- ($0 Virtual Urgent Care) at $1,722/month before subsidies.
Carriers selling 2026 plans in Lee County
5 carriers sell 2026 plans on Healthcare.gov. 226 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Florida Blue | 72 |
| Ambetter | 19 |
| UnitedHealthcare | 17 |
| Wellpoint | 13 |
| AvMed, Inc. | 11 |
Frequently asked questions
What is the cheapest ACA plan in Lee County, Florida for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is UnitedHealthcare UHC Bronze Essential- ($0 Virtual Urgent Care) at $539 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Can I use Healthcare.gov to enroll in a Florida ACA plan?
Yes. Florida uses the federally-facilitated Marketplace, which is HealthCare.gov. You enroll at healthcare.gov, and your federal premium tax credit and cost-sharing reductions are applied there. Florida does not operate a state-based exchange for PY2026.
How big is Florida's ACA Marketplace?
Florida has the largest ACA Marketplace in the country by a wide margin. About 4.54 million Floridians selected a 2026 plan during open enrollment, roughly one in every five Marketplace enrollees nationwide and about 29% of all HealthCare.gov (FFM) enrollment.
What is the Medicaid coverage gap in Florida, and does it affect me?
Florida has not expanded Medicaid, so roughly 800,000 to 1.4 million low-income adults fall into a coverage gap. If your household income is below 100% FPL and you are not pregnant, disabled, or covered by another Medicaid category, you likely won't qualify for either Medicaid or a Marketplace premium tax credit. A ballot initiative to expand Medicaid was postponed to 2028.
More Florida pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Florida CFO: ACA Individual Market Carrier List 2026 for the complete PY2026 carrier list with corporate parent mapping.
- Florida OIR: Individual PPACA Market Monthly Premiums for PY2026 for official PY2026 rate tables.
- CMS 2026 OEP National Snapshot for enrollment scale (23.1M national, FL ranked #1).
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.