- 7carriers selling 2026 marketplace plans in Hillsborough County
- 173plans on the Hillsborough shelf, from 58 bronze to 42 gold
- $648benchmark silver for a 40 year old in Hillsborough, full price per month
Who sells marketplace plans in Hillsborough County
Seven companies sell in Hillsborough, against ten in the busiest Florida county I track and four in the thinnest. The biggest lineup in Hillsborough belongs to Florida Blue with 68 plans, about 39 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 68 | 23 | 23 | 12 | 10 | EPO 19, HMO 25, POS 10, PPO 14 |
| Ambetter Health | 26 | 8 | 10 | 8 | 0 | HMO 26 |
| Molina Healthcare | 19 | 7 | 5 | 7 | 0 | HMO 19 |
| OscarOscar Health Maintenance Organization of Florida | 19 | 7 | 8 | 4 | 0 | HMO 19 |
| UnitedHealthcare | 17 | 6 | 7 | 4 | 0 | HMO 17 |
| Wellpoint | 13 | 4 | 4 | 4 | 0 | HMO 13 |
| AvMed | 11 | 3 | 5 | 3 | 0 | HMO 11 |
Hillsborough plan counts from the CMS 2026 landscape file (county FIPS 12057, Rating Area 28). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What it costs in Hillsborough County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Hillsborough plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Hillsborough pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $374 | $478 | $1,016 | $957 | $1,529 |
| Lowest silver | $505 | $645 | $1,370 | $1,290 | $2,063 |
| Benchmark silver (second lowest) | $507 | $648 | $1,377 | $1,297 | $2,073 |
| Lowest gold | $466 | $595 | $1,264 | $1,190 | $1,902 |
| Lowest platinum | $883 | $1,129 | $2,397 | $2,257 | $3,609 |
Benchmark silver is the second lowest of the 62 silver premiums listed for Hillsborough. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Hillsborough County
The gold row is the surprise in Hillsborough County. The cheapest gold plan for a 40 year old, $595 a month, is $50 cheaper than the cheapest silver plan at $645. That happens because Florida carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Hillsborough shelf, and a gold deductible here tops out at $3,000.
In Hillsborough County the benchmark is $170 above the cheapest bronze at age 40, and 30 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $648 benchmark minus what the government expects you to pay from your income. A 40 year old in Hillsborough whose expected share is $170 a month or less would pay nothing for the cheapest bronze. At 60 the Hillsborough gap grows to $361 and at 21 it shrinks to $133, which is why older enrollees are the ones most likely to find a $0 plan.
Prices barely differ between Hillsborough and nearby Pinellas County. The benchmark differs by $4 a month at 40 and the cheapest bronze by $5. UnitedHealthcare sells in Hillsborough and not in Pinellas County.
Hillsborough plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 1 | 0 | |
| Bronze | 6 | 0 | $6,150 to $10,600 |
| Expanded Bronze | 52 | 17 | $0 to $10,150 |
| Silver | 62 | 0 | $1,850 to $9,500 |
| Gold | 42 | 7 | $0 to $3,000 |
| Platinum | 10 | 8 | |
| Total | 173 | 32 |
By network type the 173 Hillsborough plans break down as 130 HMO, 19 EPO, 14 PPO and 10 POS. Only 14 are PPOs, and every one of them comes from Florida Blue. If seeing specialists without a referral matters to you, that narrows the Hillsborough shelf to one company. 32 plans in Hillsborough have a $0 medical deductible (17 expanded bronze, 8 platinum and 7 gold). The 17 bronze ones among them still have out of pocket maximums of $9,900 to $10,600, so a $0 deductible does not mean a small bill.
Every Hillsborough price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Hillsborough the premium tax credit is measured against the $648 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Hillsborough numbers for you.
2027 plans for Hillsborough County
These are the 2026 plans and prices for Hillsborough County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Hillsborough numbers then. Open enrollment for 2027 coverage in Florida runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.
Questions about Hillsborough County coverage
How many health insurance companies sell marketplace plans in Hillsborough County, Florida?
For 2026, seven carriers sell individual marketplace plans in Hillsborough County: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, UnitedHealthcare, Wellpoint and AvMed. Together they offer 173 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Hillsborough County?
At full price before any subsidy, the cheapest bronze plan in Hillsborough County is $374 a month for a 21 year old, $478 at 40 and $1,016 at 60. In Hillsborough a couple both aged 40 pays $957 for the cheapest bronze, and two 40 year olds with two children pay $1,529. Catastrophic plans in Hillsborough, open only to people under 30 or with a hardship exemption, start at $372 at age 21. Most people in Hillsborough who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Hillsborough County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $648 a month for a 40 year old in Hillsborough County before subsidies. In Hillsborough it is $507 at age 21 and $1,377 at age 60, and the lowest silver plan is $645 at 40.
Is any insurance company leaving Hillsborough County for 2027?
None of the seven carriers selling in Hillsborough County in 2026 is one of the confirmed 2027 exits I flag for Florida, which is Cigna. Smaller changes can still happen, so read your renewal notice. The 2027 carrier lineup and prices for Hillsborough are published around November 1, 2026, and I will update this page then.
Can I get a PPO or a $0 deductible plan in Hillsborough County?
Yes to both. 14 of the 173 plans in Hillsborough are PPOs, all from Florida Blue, and 32 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Hillsborough is $595 a month before subsidies.
More for Hillsborough County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Hillsborough compares with the other 78 counties and parishes I track
- Estimate a Hillsborough subsidy
Get your Hillsborough County quote
Send me your ZIP and who needs coverage and I will compare every Hillsborough plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Hillsborough County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines