What Small Group Health Insurance Costs in Lee County (2026)
Lee County rates are 5–10% below Central Florida, with a lower premium baseline that reflects the county's less dense healthcare delivery market outside the Lee Health system. The Fort Myers and Cape Coral construction, trades, and services economy creates a workforce profile with strong SHOP credit eligibility for many employers. The tables below show employer cost at 50% single-employee contribution.
Lee County Premium Ranges by Group Size
| Group Size | Bronze (avg age 38) | Silver | Gold |
|---|---|---|---|
| 3 employees | $325–$440/mo | $415–$560/mo | $500–$675/mo |
| 5 employees | $540–$730/mo | $690–$935/mo | $835–$1,125/mo |
| 8 employees | $865–$1,165/mo | $1,105–$1,490/mo | $1,335–$1,795/mo |
| 10 employees | $1,080–$1,455/mo | $1,380–$1,860/mo | $1,665–$2,245/mo |
Net Cost After SHOP Credit — Lee County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $32k, Bronze | $635/mo | 45% | $349/mo |
| 8 employees, avg wage $40k, Bronze | $1,015/mo | 35% | $660/mo |
| 10 employees, avg wage $52k, Silver | $1,620/mo | 15% | $1,377/mo |
Post-Ian Recovery Economy: Lee County's construction and trades sector remains elevated following Hurricane Ian recovery and ongoing coastal rebuilding. Employers in roofing, HVAC, electrical, plumbing, and general contracting are seeing sustained demand — and heightened employee turnover competition. A group health plan is one of the most effective retention tools in Lee County's trades market right now, where benefit gaps between employers are significant and workers can choose. At $349–$660/month net after SHOP credit for most construction-sector employers, the cost-per-employee-retained calculation is compelling.
Get an Exact Lee County Cost Quote
We provide exact premium quotes for Lee County groups. Call (877) 224-8539 or use the form. Florida License #L088529.