Health insurance plans in Hillsborough County, Florida (2027)

• 7carriers selling 2027 marketplace plans in Hillsborough County
• 176plans on the Hillsborough shelf, from 60 bronze to 43 gold
• $688benchmark 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 eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 71 of the 176 plans in Hillsborough, 40 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Hillsborough plan counts from the CMS 2027 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 changed in Hillsborough County for 2027

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.

Benchmark silver is the second lowest of the 63 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, $637 a month, is $21 cheaper than the cheapest silver plan at $658. 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 $2,750.

In Hillsborough County the benchmark is $173 above the cheapest bronze at age 40, and 29 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 $688 benchmark minus what the government expects you to pay from your income. A 40 year old in Hillsborough whose expected share is $173 a month or less would pay nothing for the cheapest bronze. At 60 the Hillsborough gap grows to $368 and at 21 it shrinks to $136, 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 $5 a month at 40 and the cheapest bronze by $3. UnitedHealthcare sells in Hillsborough and not in Pinellas County.

Hillsborough plans by metal level, network and deductible

By network type the 176 Hillsborough plans break down as 132 HMO, 19 EPO, 14 PPO and 11 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. 30 plans in Hillsborough have a $0 medical deductible (14 expanded bronze, 8 gold, 6 platinum and 2 silver). The 14 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, so a $0 deductible does not mean a small bill.

2027 plans for Hillsborough County

These are the 2027 plans and prices for Hillsborough County, from the CMS plan file released at the end of October 2026. 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. If you already have a Hillsborough plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Hillsborough County coverage

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