Polk County — home to Lakeland, Winter Haven, Bartow, and Haines City — is Florida's geographic center and a major logistics, distribution, and manufacturing hub. The county's economy includes a large logistics/warehousing sector driven by its I-4 corridor location, healthcare, agriculture-related businesses, retail, and professional services. Florida Blue and Aetna are the primary small group carriers. Lakeland Regional Health Medical Center is the county's primary hospital facility; AdventHealth Sebring and HCA Florida Lake Wales Hospital serve more rural areas.
| Plan Tier | Total Premium/Employee/Month | Employer Share (65%) |
|---|---|---|
| Bronze HMO | $360–$460 | $234–$299 |
| Silver HMO | $430–$545 | $280–$354 |
| Gold HMO | $520–$655 | $338–$426 |
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