The CMS hospital file lists five hospitals with an emergency room in the Lakeland area’s central county, including Lakeland Regional Medical Center, Winter Haven Hospital and AdventHealth Heart of Florida. Whether a marketplace plan pays at any of them depends on the network attached to the specific plan you buy — not on the insurer’s name.
Who files marketplace plans in Lakeland
Seven insurers filed 2026 marketplace plans in Polk County in the CMS Plan Year 2026 file: Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare and Wellpoint. The lowest-cost Silver plan for a 40-year-old is about $647 a month before any premium tax credit. Plan types filed here: EPO, HMO, POS and PPO.
The county in the Lakeland area has at least one marketplace PPO. A PPO pays something toward care outside its network, which matters if you see doctors in more than one area — though it usually costs more than an HMO or EPO from the same insurer.
Hospitals in the Lakeland area
Five acute-care hospitals with an emergency room in the central county, from the CMS Hospital General Information file (July 2026). Listing a hospital is not a statement about which plans contract with it — that is decided plan by plan.
| Hospital | City | County | CMS star rating | Type | Ownership |
|---|---|---|---|---|---|
| Lakeland Regional Medical Center | Lakeland | Polk County | 1 of 5 | Acute care | Non-profit |
| Winter Haven Hospital | Winter Haven | Polk County | 3 of 5 | Acute care | Non-profit |
| AdventHealth Heart of Florida | Davenport | Polk County | 3 of 5 | Acute care | For-profit |
| AdventHealth Lake Wales | Lake Wales | Polk County | 2 of 5 | Acute care | For-profit |
| Bartow Regional Medical Center | Bartow | Polk County | 3 of 5 | Acute care | For-profit |
CMS star rating is the federal overall hospital quality rating, 1 to 5, from the same file.
Which insurance do Lakeland hospitals accept?
The seven insurers above are the ones selling marketplace plans here. That is not a list of plans any of these hospitals accepts. Hospitals contract with individual plans, not whole insurers, so the same insurer can sell one plan that includes your hospital and another that doesn’t. The answer that counts is a check of your exact plan, dated. Get my free hospital check ↓
Searching for MetLife, Delta Dental or Renaissance? Those are dental insurers: dental plans cover teeth, not hospital care. If you want dental coverage too, see dental insurance for individuals.
How to check a hospital against a plan
- Start from the plan, not the insurer. Get the full plan name and its network name from the marketplace listing.
- Look the hospital up in that network in the insurer’s directory for the 2027 plan year, not the current one.
- Call the hospital’s billing office and read them the plan name. They can tell you whether they are contracted with that network.
- Check your doctors separately. A hospital being in a network does not put every doctor who works there in it.
- Write down the date and who told you. Contracts change during the year.
Or skip all of that: put your ZIP in below and tell me the hospital and doctors. I’ll check them against every plan filed in your county and tell you the date I checked.
More in Florida
Hospital systems
AdventHealth · Ascension St. Vincent's · Baptist Health · Baptist Health South Florida · BayCare · Broward Health · Cleveland Clinic Florida · Halifax Health · HCA Florida · Jackson Health · Lee Health · Mayo Clinic Florida · Memorial Healthcare System · Orlando Health · Sarasota Memorial Hospital · Tampa General · UF Health
Metro markets
Daytona Beach · Fort Myers-Cape Coral · Jacksonville · Melbourne-Palm Bay · Miami · Naples · Ocala · Orlando · Pensacola · Port St. Lucie · Sarasota-Bradenton · Tampa Bay
Find out which Lakeland plans cover your hospital
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