Lee County (Fort Myers, Cape Coral) small group health insurance costs in 2026 range from approximately $375–$480 per employee per month for Bronze HMO to $535–$675 for Gold HMO. Lee County rates are mid-range for Southwest Florida — less expensive than Collier County (Naples) but higher than some inland Central Florida markets. Florida Blue is the dominant carrier; Aetna provides competition.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $375–$480 | $244–$312 | $131–$168 |
| Silver HMO | $445–$570 | $289–$371 | $156–$200 |
| Gold HMO | $535–$675 | $348–$439 | $187–$236 |
Hurricane Ian's impact on healthcare infrastructure created short-term disruptions in 2022–2023, but the Lee County small group market has normalized. Premiums reflect the standard underwriting factors for the county. Lee County's rebuilding-driven construction boom creates demand for group coverage among contractors, but rates are not elevated specifically because of reconstruction activity.
Lee County premiums are typically 5–10% lower than Collier County on comparable plans. Naples has higher healthcare costs and a wealthier demographic that drives higher utilization of premium services. Fort Myers and Cape Coral are more moderately priced markets. For businesses near the Lee/Collier county line, county of registration determines the applicable rate area.
At the carrier minimum (50% employer contribution), a Bronze HMO in Lee County costs approximately $188–$240 per employee per month for the employer. This is the lowest permissible contribution level — most Lee County businesses contribute 60–70% to ensure adequate employee participation in the plan.
See exact 2026 premium costs for your Fort Myers or Cape Coral business — no cost, no obligation.
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