Health Insurance in Lee County, Florida
2027 ACA and Medicare options for Fort Myers and all of Lee County, explained by a licensed Florida agent. Free to compare, no obligation.
- Open Enrollment
- Nov 1 to Jan 15
- Enroll by Dec 15 for Jan 1 coverage
- Subsidy income cap
- $63,840
- Single person, 2027 (400% of poverty level)
- Medicare changes
- Oct 15 to Dec 7
- Annual Enrollment for 2027 plans
- County seat
- Fort Myers
- Southwest Florida
Your coverage options in Lee County
ACA marketplace plans
For residents under 65. Most households qualify for help paying premiums.
See your 2027 options →Medicare Advantage and supplements
For residents 65+ or on disability. Plan choices are set county by county.
Compare Medicare plans →Self-employed and private plans
For 1099 workers and business owners who buy their own coverage.
Self-employed guide →
Reviewed by Brad S. · Licensed Florida Health Insurance Agent
Updated June 2026. Written and reviewed by a licensed agent at United Liberty Insurance Agency LLC to ensure accuracy. We cite official sources (HealthCare.gov, CMS, KFF) wherever possible.
The Lee County market
Lee County is part of Southwest Florida. Southwest Florida has a high concentration of retirees and seasonal residents, making Medicare Advantage and supplement plans especially important. Because marketplace pricing and Medicare Advantage plan availability are set at the county level, your options in Lee County can differ from a neighboring county.
How much does coverage cost in Lee County?
Premiums depend on your age, income, household size, and the specific plan. The larger subsidies ended after 2025, so for 2027 help generally stops at 400% of the poverty level, and picking the right Silver plan matters more than ever. Estimate your subsidy →
Cities in Lee County
Find a doctor in Lee County
Search providers by ZIP, then we'll help confirm they're in your plan's network.
Plan availability, premiums, and benefits vary by ZIP code within Lee County and are subject to change. For official information visit HealthCare.gov or Medicare.gov.