Polk County (Lakeland, Winter Haven) small group health insurance costs in 2026 range from approximately $360–$460 per employee per month for Bronze HMO to $520–$655 for Gold HMO — one of the more affordable rates among Florida's mid-size county markets. Polk County's lower-than-average healthcare costs and Florida Blue dominance produce competitive premiums for businesses between Tampa and Orlando. Aetna is the primary alternative carrier, and the presence of Lakeland Regional Health as the major hospital system keeps network adequacy strong under both carriers.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $360–$460 | $234–$299 | $126–$161 |
| Silver HMO | $430–$545 | $280–$354 | $151–$191 |
| Gold HMO | $520–$655 | $338–$426 | $182–$229 |
Shopping group health for your team
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $6,720–$8,496/year |
| 5 employees | $16,800–$21,240/year |
| 10 employees | $33,600–$42,480/year |
| 20 employees | $67,200–$84,960/year |
See exact 2026 premium costs for your Lakeland or Winter Haven business — no cost, no obligation.
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