SSL Encrypted Licensed Agents Free Service
Daniels Health Advisors
Book a 15-minute call
The giant banyan tree on the grounds of the Edison and Ford Winter Estates in Fort Myers

Fort Myers · Lee County

Fort Myers health insurance broker. Look past the monthly price.

Free, licensed help for people in Fort Myers and Lee County. Retiring early or working for yourself? We check your tax credit, your doctors, and the full-year cost, deductible included.

  • Private & Secure
  • Fast Response
  • No Spam Calls

Photo: "Banyan Tree, Fort Myers" by J. Miers, via Wikimedia Commons, licensed under CC BY-SA 3.0. Cropped, resized, and converted to WebP. This edited version is also licensed under CC BY-SA 3.0.

Common questions

A low monthly price
is only part of the cost.

In 2026, more than half of Lee County Marketplace shoppers picked a Bronze plan. Here are three common questions for people who live in Fort Myers.

“Is a Bronze plan right for me?”

It depends on how much care you use. Bronze plans often have lower monthly prices but higher deductibles. If you see doctors often, a Silver or Gold plan may cost less over the full year. We add it up both ways.

“I retired early. What covers me now?”

A Marketplace plan is often the first thing to check. Your tax credit uses the income you expect for the year you are covered, not what you earned while working. Pensions and IRA withdrawals can count, so we help you add them up.

“Is my hospital in the plan?”

In 2026, 85 of Lee County's 132 Marketplace plans were HMOs. An HMO usually pays only for doctors and hospitals in its network, except in an emergency.

Lee County by the numbers

How Lee County
shops for coverage.

Here is what the latest numbers show for Fort Myers and Lee County.

140,308

people in Lee County picked a 2026 Marketplace plan during open enrollment.

About 1 in 5

of those shoppers were ages 55 to 64, the largest age group.

95 in 100

of Lee County's 2026 shoppers got a tax credit.

132 plans

from 5 insurance companies were on Lee County's 2026 list.

+17.5%

Fort Myers' growth from 2020 to 2025, to about 101,600 people.

About 17 in 100

people under 65 in Lee County had no health insurance in 2024. The Florida rate was about 14 in 100.

Sources: CMS 2026 Open Enrollment data and 2026 plan data, and U.S. Census Bureau (2025 population estimates and 2024 health insurance estimates). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

A licensed advisor
for Fort Myers families.

Daniels Health Advisors is an independent brokerage, so we are not tied to one insurance company. We pull up every Lee County plan you can buy, from Bronze to Platinum. Then we check your doctors, the hospital you would use, and what each plan may cost over a full year.

  • Patient answers, no pressure
  • Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
  • Free to you. Carriers pay us, not you.

How it works

Three steps to compare.

Share a few details

Tell us everyone's age and your home ZIP code in Fort Myers or Lee County.

Estimate your income

We add up the income you expect next year, like pay, business income, or retirement withdrawals. That number sets your tax credit.

Compare the full cost

We look at the premium, deductible, and copays, and check your doctors in each plan. You choose the one that fits.

Book a 15-minute call
Free · No obligation · About a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

The full cost,
before you sign up.

If you choose by monthly price alone, a high deductible can surprise you later. So can a doctor who is not in your plan. Here is what you leave with:

  • A full-year cost for each plan: premium, deductible, and copays
  • Your doctors and preferred hospital looked up in every plan you are considering
  • An income estimate you can explain, plus a plan for updating it
  • A plan chosen by December 15, 2026 (the deadline under current law), so coverage can begin January 1, 2027, after the first premium is paid

Hospitals in and near Fort Myers

Whether a plan pays for care at a Lee County hospital depends on its network. Before you pick a plan, search its directory for the hospital you want.

  • Lee Memorial HospitalFort Myers
  • Gulf Coast Medical CenterFort Myers
  • Cape Coral HospitalCape Coral

This is not a list of in-network hospitals for any plan. Networks can change each year.

Straight answers

Fort Myers health insurance questions.

Which companies offered Marketplace plans in Lee County for 2026?

Lee County plans for 2026 came from 5 companies: Ambetter Health, AvMed, Florida Blue, UnitedHealthcare, and Wellpoint. Lee County's 2027 list may change. It should be out around November 1, 2026.

What is the difference between Bronze and Silver plans?

Bronze plans usually have a lower monthly price and a higher deductible. Silver plans cost more each month but often pay more when you get care. If your income is low enough, a Silver plan may also come with a lower deductible and copays. Our bronze vs. silver guide explains more.

I retired early. Will I qualify for a tax credit?

It depends mostly on your household income for the year. Apply with your best honest estimate, including any pension or retirement withdrawals. If your income changes during the year, update your application quickly, so you are less likely to owe money at tax time.

Is Lee Memorial Hospital in every plan?

Don't assume it is. Each plan sets its own network, and most Lee County plans are HMOs. Search for the hospital in the plan's directory before you enroll. We can search with you.

Can I get a PPO in Lee County?

A few. Of Lee County's 132 Marketplace plans for 2026, 14 were PPOs. Another 19 were EPOs and 14 were POS plans, and each type treats out-of-network doctors differently. If your tax credit is small or zero, a private PPO plan may be another option to look at. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

When is open enrollment for 2027 coverage?

As of October 3, 2026, under current law, you can sign up from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15. Outside those dates, you usually need a life event, such as a move or losing other coverage. Our Florida open enrollment guide has the details.

More help nearby

Tampa Miami Early retiree PPO options Self-employed health insurance Bronze vs. silver plans in Florida Florida open enrollment guide Nationwide private PPO plans All areas we serve

Open enrollment starts November 1

Comparing plans in Fort Myers or Lee County?

Set up a free 15-minute call, or start a quote online. No pressure, and no obligation to enroll.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 3, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, FLOIR, or a carrier. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. Official: HealthCare.gov. Verify licensing via NPN. Fort Myers / Lee County / Southwest Florida.