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 |
Shopping group health for your team
See exact 2026 premium costs for your Fort Myers or Cape Coral business — no cost, no obligation.
Get My Quote