ACA plans available
132
Plan year 2026
2026 data Public-data reference. official source
Lee, Florida Health Insurance
Open-data reference.
132 ACA plans from 6 issuers — Plan year 2026
Lee, Florida offers 132 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $442/mo and Silver plans start at $584/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$764
Avg Silver Premium/mo
$588
Benchmark Premium/mo
+46.7%
Year-over-Year Change
$4,891
Avg Deductible
What the Numbers Say About Lee
Lee, Florida has 132 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $764/mo for a 27-year-old non-tobacco user, with the lowest Silver at $584 and the highest at $1,402. Bronze plans start at $442/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $588/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,891 and the average out-of-pocket maximum is $8,496 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Lee shifted by +46.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 6 issuers active in Lee, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
6 plans$579/mo avg
$442 — $803
Silver
47 plans$764/mo avg
$584 — $1,402
Gold
30 plans$865/mo avg
$630 — $1,434
Platinum
11 plans$1,435/mo avg
$1,186 — $1,942
Catastrophic plan available: avg $428/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Lee is $588/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
6
Competitive market
Benchmark Silver
$588 /mo
Sets your subsidy ceiling
Avg deductible
$4,891
Across all metal tiers
Lee ACA plans by premium and deductible
Each marker is the Lee average for one metal tier — monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Lee, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Lee
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 39 | $821/mo |
| Florida Blue (BlueCross BlueShield FL) | 33 | $1,035/mo |
| Ambetter Health | 19 | $607/mo |
| UnitedHealthcare | 17 | $579/mo |
| Wellpoint | 13 | $559/mo |
| AvMed | 11 | $867/mo |
All Plans in Lee
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) Wellpoint | Catastrophic | HMO | $427.99 | $521.92 | $10,600 | $10,600 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $441.61 | $538.52 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $441.66 | $538.59 | $10,600 | $10,600 |
| myBlue Bronze 26M02-24 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $524.70 | $639.86 | $10,125 | $10,150 |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $604.07 | $736.64 | $6,150 | $10,150 |
| BlueCare Bronze 24K01-05 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | POS | $656.34 | $800.39 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $802.80 | $978.99 | $6,150 | $10,150 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $453.91 | $553.53 | $6,000 | $10,600 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $460.90 | $562.05 | $5,500 | $10,600 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $462.72 | $564.27 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Expanded Bronze | HMO | $464.87 | $566.90 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $469.43 | $572.45 | $5,500 | $10,600 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $475.52 | $579.88 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $476.98 | $581.66 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $479.01 | $584.13 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $479.41 | $584.63 | $0 | $10,600 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $488.39 | $595.57 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $489.88 | $597.40 | $7,500 | $10,000 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $495.70 | $604.49 | $0 | $10,600 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $543.16 | $662.36 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $557.85 | $680.28 | $0 | $10,500 |
| myBlue Bronze 2322S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $592.34 | $722.34 | $7,500 | $10,000 |
| myBlue Bronze 2286 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $593.44 | $723.68 | $2,350 | $10,150 |
| myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $599.99 | $731.67 | $6,000 | $10,150 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $626.86 | $764.44 | $7,500 | $10,000 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $632.23 | $770.98 | $6,650 | $7,400 |
| BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $636.69 | $776.42 | $6,500 | $10,000 |
| myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $639.76 | $780.17 | $0 | $10,150 |
| myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $643.80 | $785.09 | $0 | $10,150 |
| myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $652.24 | $795.39 | $0 | $10,150 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $663.97 | $809.69 | $0 | $9,900 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $667.48 | $813.97 | $0 | $9,900 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $674.52 | $822.56 | $0 | $9,900 |
| BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $693.05 | $845.15 | $6,650 | $7,400 |
| BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $693.16 | $845.28 | $7,500 | $10,000 |
| AvMed Entrust Expanded Bronze Standard (2026) AvMed | Expanded Bronze | HMO | $699.74 | $853.31 | $7,500 | $10,000 |
| BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $708.96 | $864.55 | $6,500 | $10,000 |
| AvMed Entrust Bronze 650 (2026) AvMed | Expanded Bronze | HMO | $709.78 | $865.55 | $10,150 | $10,150 |
| AvMed Entrust Bronze 600 (2026) AvMed | Expanded Bronze | HMO | $720.49 | $878.61 | $6,500 | $9,500 |
| BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $749.24 | $913.67 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $832.97 | $1,015.78 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $840.34 | $1,024.76 | $6,650 | $7,400 |
| BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $846.41 | $1,032.16 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $884.08 | $1,078.11 | $0 | $9,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $584.46 | $712.73 | $4,500 | $9,900 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $588.21 | $717.30 | $3,500 | $10,150 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $590.58 | $720.19 | $1,850 | $9,100 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $596.86 | $727.85 | $3,500 | $10,150 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $600.75 | $732.59 | $4,500 | $9,900 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Silver | HMO | $601.09 | $733.01 | $6,000 | $8,900 |
| Clarity Silver Ambetter Health | Silver | HMO | $603.87 | $736.40 | $8,000 | $8,400 |
| UHC Silver Standard- UnitedHealthcare | Silver | HMO | $613.93 | $748.67 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $614.00 | $748.75 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $622.16 | $758.70 | $2,700 | $10,350 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare | Silver | HMO | $630.29 | $768.62 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $638.45 | $778.56 | $2,700 | $10,350 |
| Standard Silver Ambetter Health | Silver | HMO | $644.11 | $785.47 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $651.87 | $794.94 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $661.53 | $806.72 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $662.67 | $808.10 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $669.51 | $816.44 | $6,300 | $8,400 |
| myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $672.55 | $820.16 | $9,500 | $10,150 |
| myBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $676.76 | $825.28 | $9,500 | $10,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $680.59 | $829.96 | $5,000 | $8,650 |
| myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $683.30 | $833.26 | $7,000 | $9,125 |
| myBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $685.17 | $835.54 | $9,500 | $10,150 |
| myBlue Silver 25M02-03V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $687.32 | $838.16 | $7,000 | $9,125 |
| myBlue Silver 25M02-03E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $695.73 | $848.41 | $7,000 | $9,125 |
| myBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $699.20 | $852.66 | $6,400 | $9,200 |
| myBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $703.27 | $857.61 | $6,400 | $9,200 |
| myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $711.65 | $867.84 | $6,400 | $9,200 |
| myBlue Silver 2010 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $730.30 | $890.57 | $2,800 | $7,675 |
| myBlue Silver 2010V (Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $734.39 | $895.56 | $2,800 | $7,675 |
| myBlue Silver 2010E (Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $742.79 | $905.81 | $2,800 | $7,675 |
| myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $750.65 | $915.39 | $6,000 | $8,900 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $809.61 | $987.29 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $813.19 | $991.65 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $820.31 | $1,000.34 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $823.03 | $1,003.65 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $832.32 | $1,014.99 | $3,125 | $8,100 |
| AvMed Entrust Silver Standard (2026) AvMed | Silver | HMO | $876.56 | $1,068.94 | $6,000 | $8,900 |
| AvMed Entrust Silver 550 (2026) AvMed | Silver | HMO | $891.12 | $1,086.69 | $6,250 | $8,000 |
| AvMed Entrust Silver 550 Dental+Vision (2026) AvMed | Silver | HMO | $894.84 | $1,091.23 | $6,250 | $8,000 |
| BlueCare Silver 24K01-02 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $903.46 | $1,101.74 | $4,000 | $8,100 |
| AvMed Entrust Silver 350 (2026) AvMed | Silver | HMO | $916.92 | $1,118.14 | $3,500 | $9,250 |
| AvMed Entrust Silver 350 Dental+Vision (2026) AvMed | Silver | HMO | $920.74 | $1,122.82 | $3,500 | $9,250 |
| BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $933.91 | $1,138.88 | $6,000 | $8,900 |
| BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $945.95 | $1,153.55 | $3,125 | $8,100 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,297.87 | $1,582.71 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,386.26 | $1,690.50 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,402.33 | $1,710.09 | $3,125 | $8,100 |
| Standard Gold Ambetter Health | Gold | HMO | $630.35 | $768.69 | $2,000 | $8,200 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $643.58 | $784.82 | $800 | $9,000 |
| Everyday Gold Ambetter Health | Gold | HMO | $644.00 | $785.34 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $647.41 | $789.49 | $2,000 | $8,200 |
| Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $649.91 | $792.54 | $800 | $9,000 |
| Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Gold | HMO | $656.79 | $800.94 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $657.72 | $802.07 | $1,400 | $5,000 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $661.42 | $806.58 | $800 | $7,250 |
| Complete Gold Ambetter Health | Gold | HMO | $665.52 | $811.58 | $1,450 | $7,500 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $668.19 | $814.84 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $673.96 | $821.87 | $0 | $10,600 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $683.53 | $833.54 | $1,450 | $7,500 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $686.21 | $836.82 | $500 | $9,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $702.50 | $856.68 | $500 | $9,000 |
| myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $859.50 | $1,048.13 | $2,000 | $8,200 |
| myBlue Gold 2011 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $874.06 | $1,065.89 | $940 | $4,500 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $910.47 | $1,110.29 | $2,000 | $8,200 |
| myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $912.39 | $1,112.63 | $0 | $6,550 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $932.02 | $1,136.56 | $1,500 | $6,450 |
| AvMed Entrust Gold Standard (2026) AvMed | Gold | HMO | $955.10 | $1,164.71 | $2,000 | $8,200 |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $956.60 | $1,166.55 | $0 | $6,250 |
| BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $960.15 | $1,170.87 | $0 | $6,250 |
| AvMed Entrust Gold 125 (2026) AvMed | Gold | HMO | $973.40 | $1,187.03 | $2,000 | $5,850 |
| AvMed Entrust Gold 125 Dental+Vision (2026) AvMed | Gold | HMO | $977.42 | $1,191.92 | $2,000 | $5,850 |
| BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,032.57 | $1,259.19 | $2,000 | $8,200 |
| BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,058.00 | $1,290.19 | $1,500 | $6,450 |
| BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,095.14 | $1,335.48 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,363.99 | $1,663.34 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,396.41 | $1,702.87 | $1,500 | $6,450 |
| BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,434.35 | $1,749.13 | $0 | $6,250 |
| myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $1,185.94 | $1,446.21 | $0 | $2,250 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,192.66 | $1,454.40 | $1,000 | $4,000 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,225.73 | $1,494.74 | $0 | $2,525 |
| myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $1,242.40 | $1,515.07 | $0 | $5,200 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,277.41 | $1,557.75 | $0 | $5,200 |
| BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,292.16 | $1,575.75 | $1,000 | $4,000 |
| BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,341.34 | $1,635.71 | $0 | $2,525 |
| BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,405.68 | $1,714.18 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,811.50 | $2,209.06 | $1,000 | $4,000 |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,863.68 | $2,272.69 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,941.93 | $2,368.12 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $537/mo | $421 | $757 | 31 | 4 |
| 2023 | $555/mo | $431 | $797 | 42 | 6 |
| 2024 | $560/mo | $447 | $875 | 41 | 6 |
| 2025 | $563/mo | $458 | $976 | 48 | 7 |
| 2026 | $764/mo | $584 | $1,402 | 47 | 6 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore Florida ACA Data
All of Florida
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Lee, FL?
There are 132 ACA marketplace plans available in Lee from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Lee?
The lowest-premium plan in Lee starts at $442/mo (Bronze tier, age 27). Silver plans start at $584/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Lee?
The benchmark (second-lowest Silver) premium in Lee is $588/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Lee?
Average premiums in Lee changed by +46.7% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Lee?
The average annual deductible across all plans in Lee is $4,891, and the average out-of-pocket maximum is $8,496. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Lee?
There are 6 insurance issuers offering ACA marketplace plans in Lee, including Florida Blue HMO (a BlueCross BlueShield FL company), Florida Blue (BlueCross BlueShield FL), Ambetter Health, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
