Cape Coral, Florida: health insurance
Cape Coral is in Lee County. Here is what Cape Coral residents should know about coverage.
Coverage in Cape Coral
Cape Coral has about 224,455 residents (U.S. Census Bureau 2023 estimate).
Plans for Cape Coral residents are determined by Lee County, home to about 834,573 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Lee County before you choose it.
- Turning 65 in Cape Coral? Your Initial Enrollment Period runs seven months around your birthday. Florida SHINE (Serving Health Insurance Needs of Elders) offers free counseling at 1-800-963-5337.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? Agency for Health Care Administration (AHCA) handles applications.
Florida note: Florida's insurance oversight is split between two state agencies: the Office of Insurance Regulation reviews rates and company solvency, while the Department of Financial Services' Division of Consumer Services handles individual consumer complaints and questions.
Medicare plans leaving Lee County for 2027
Medicare plans are set by county, so this applies to residents of this city. 24 plans are listed in Lee County for 2026 but not for 2027, covering at least 24,938 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Humana Full Access Giveback H5216-393 (PPO) H5216-393 | Humana | 8,906 |
| Humana Full Access Giveback H7617-111 (PPO) H7617-111 | Humana | 5,190 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) H2509-003 | UnitedHealthcare | 4,294 |
| HumanaChoice Florida H5216-304 (PPO) H5216-304 | Humana | 2,420 |
| HumanaChoice Florida H7617-109 (PPO) H7617-109 | Humana | 1,855 |
| Humana Direct Choice Giveback (PPO) H7617-112 | Humana | 759 |
See all 24 plans leaving Lee County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Cape Coral
Florida public institutions include University of Florida, Florida State University, University of South Florida. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Florida colleges.
Do Cape Coral and Lee County have the same plans?
Plans are offered by service area, and Cape Coral falls under Lee County. A plan that serves Lee County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Cape Coral residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major Florida cities
- Jacksonville
- Miami
- Tampa
- Orlando
- St. Petersburg
- Tallahassee
- Fort Lauderdale
- Port St. Lucie
- Hialeah
- Pembroke Pines
- Hollywood
- Gainesville
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.