Updated April 2026 · Florida Plan Finder · Licensed Florida Health Insurance Producer

How to Offer Health Insurance to Employees in Lee County, Florida

Lee County small businesses — from Fort Myers' commercial districts and Cape Coral's growing residential service economy to Bonita Springs' luxury services and Estero's retail corridor — can set up group health insurance through Florida Blue, Aetna, or UnitedHealthcare. Lee Health (formerly Lee Memorial Health System) is the dominant local health system and participates in most small group carrier networks across Lee County.

Steps to Set Up Group Coverage in Lee County

1. Confirm eligibility. Minimum 2 enrolled W-2 employees for Florida small group. 70% participation threshold applies.
2. Get quotes. Florida Blue and Aetna are the leading Lee County small group carriers. Verify Lee Health network inclusion for your employee locations.
3. Select plan tier and contribution. Bronze or Silver HMO is most common. Employers typically pay 50–70% of employee-only premiums in Lee County's moderate-cost market.
4. Enroll and set up payroll deductions. Coverage starts 1st of the following month after carrier approval.

Lee County Small Group Premium Ranges