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Health insurance in Fort Myers, FL: What happens when Lee Health leaves UnitedHealthcare in 2027?

The short answer

Lee Health says it is ending its contracts with UnitedHealthcare on December 31, 2026. From January 1, 2027, Lee Health hospitals and physicians would be out of network for affected employer, individual and Medicare Advantage plans. UnitedHealthcare's Marketplace plans already exclude Lee Health. UnitedHealthcare says it wants to renew, so check your plan before enrolling.

Updated

By Health Insurance Solutions in Orlando, Florida.

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Which UnitedHealthcare plans are affected?

Lee Health and UnitedHealthcare from January 1, 2027, according to Lee Health
Plan typeLee Health status
Employer based plansOut of network
Medicare Advantage, including dual special needs plansOut of network
Individual plansOut of network. UnitedHealthcare's marketplace network already leaves out Lee Health
Original Medicare with a Medigap planThe dispute is about UnitedHealthcare's network plans. Check that your provider accepts Medicare and whether a Medigap SELECT plan has restrictions

Lee Health says its hospitals and physicians remain in network with UnitedHealthcare commercial plans through December 31, 2026, but UnitedHealthcare's marketplace plans already exclude Lee Health. A local TV station reported that up to 50,000 patients could be affected. UnitedHealthcare says its priority is to renew and called the decision abrupt. The two sides disagree about the reasons, and we cannot say how it will end.

What can I do if I have a UnitedHealthcare Medicare Advantage plan?

  • Use Medicare's annual enrollment period, October 15 to December 7, 2026, to compare 2027 plans. Changes take effect January 1.
  • Check that both Lee Health hospitals and your doctors are in network for any plan you choose. A plan can include a doctor but not the hospital that doctor uses.
  • Compare Original Medicare with a Medigap plan if keeping Lee Health matters most. There is no network, but the monthly premiums are different and you may face health questions later if you change your mind.
  • If you stay with a Medicare Advantage plan you can still switch January 1 to March 31, 2027.
  • Lee Health asks patients not to cancel a 2027 appointment before they understand their options.

What should seasonal residents know?

About 29.2% of Lee County residents are 65 or older, and many spend only part of the year in Fort Myers. CMS rules say a Medicare Advantage plan can disenroll you if you are out of its service area more than six months in a row. Some plans offer an optional visitor or traveler program that lets you stay enrolled for more than six months and less than 12 months.

Ask your plan how long you can be away and how it covers care in your other state. Original Medicare can be used with providers across the country that accept Medicare. Check whether a Medigap SELECT plan has provider restrictions.

How does the Lee County marketplace compare?

Lee County marketplace plan selections for 2026 (CMS)
MeasureLee County
People who picked a plan140,308
Received a premium tax credit94.8%
Average monthly premium before credits$864
Average monthly premium after credits$128
Picked a bronze plan56.5%
Picked a gold plan1.1%

Lee's average premium before credits, $864 a month, was above the Florida average of $806, and 56.5% of its enrollees chose bronze plans, compared with 37.0% statewide. Census estimates show Fort Myers at 101,581 residents, 23.2% age 65 or older and 22.8% of people under 65 without health insurance.

Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.

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Common questions

Is Lee Health out of network with UnitedHealthcare now?

It depends on your plan. Lee Health says its hospitals and physicians remain in network with UnitedHealthcare commercial plans through December 31, 2026, but UnitedHealthcare marketplace plans already exclude Lee Health. From January 1, 2027, Lee Health says it will be out of network for affected plans.

Which UnitedHealthcare plans does the Lee Health change affect?

Lee Health lists employer based, individual and Medicare Advantage plans. UnitedHealthcare says employer sponsored and Medicare Advantage plans, including dual special needs plans, would be out of network.

Will a Medigap plan still work with Lee Health?

Medigap plans have no network, so with Original Medicare and a standard Medigap plan you can see any provider that accepts Medicare. Check any Medigap Select plan, which does limit providers.

How long can I be away from Florida with a Medicare Advantage plan?

CMS rules allow a plan to disenroll you after more than six months outside its service area. Plans with a visitor or traveler program can let you stay for more than six months but less than 12. Ask your plan.

Sources

Rules change. Confirm dates and eligibility with your marketplace, your state Medicaid agency or Medicare before you enroll.

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