- 7carriers selling 2026 marketplace plans in Pasco County
- 173plans on the Pasco shelf, from 58 bronze to 42 gold
- $660benchmark silver for a 40 year old in Pasco, full price per month
Who sells marketplace plans in Pasco County
Seven companies sell in Pasco, against ten in the busiest Florida county I track and four in the thinnest. The biggest lineup in Pasco 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 |
Pasco plan counts from the CMS 2026 landscape file (county FIPS 12101, Rating Area 51). 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 Pasco County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Pasco 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 Pasco 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 | $378 | $483 | $1,026 | $967 | $1,545 |
| Lowest silver | $516 | $659 | $1,400 | $1,319 | $2,108 |
| Benchmark silver (second lowest) | $517 | $660 | $1,402 | $1,321 | $2,111 |
| Lowest gold | $470 | $601 | $1,277 | $1,203 | $1,922 |
| Lowest platinum | $894 | $1,142 | $2,426 | $2,284 | $3,652 |
Benchmark silver is the second lowest of the 62 silver premiums listed for Pasco. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Pasco County
The gold row is the surprise in Pasco County. The cheapest gold plan for a 40 year old, $601 a month, is $58 cheaper than the cheapest silver plan at $659. 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 Pasco shelf, and a gold deductible here tops out at $3,000.
In Pasco County the benchmark is $177 above the cheapest bronze at age 40, and 33 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 $660 benchmark minus what the government expects you to pay from your income. A 40 year old in Pasco whose expected share is $177 a month or less would pay nothing for the cheapest bronze. At 60 the Pasco gap grows to $376 and at 21 it shrinks to $138, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Hillsborough County, the Pasco benchmark is $12 higher at 40 and the cheapest bronze is $5 higher. The same seven carriers sell in Pasco and Hillsborough, so if you move or work across the line your choice of company does not change, only the price.
Pasco 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 Pasco 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 Pasco shelf to one company. 32 plans in Pasco 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 Pasco price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Pasco the premium tax credit is measured against the $660 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Pasco numbers for you.
2027 plans for Pasco County
These are the 2026 plans and prices for Pasco County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Pasco 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 Pasco County coverage
How many health insurance companies sell marketplace plans in Pasco County, Florida?
For 2026, seven carriers sell individual marketplace plans in Pasco 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 Pasco County?
At full price before any subsidy, the cheapest bronze plan in Pasco County is $378 a month for a 21 year old, $483 at 40 and $1,026 at 60. In Pasco a couple both aged 40 pays $967 for the cheapest bronze, and two 40 year olds with two children pay $1,545. Catastrophic plans in Pasco, open only to people under 30 or with a hardship exemption, start at $389 at age 21. Most people in Pasco who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Pasco County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $660 a month for a 40 year old in Pasco County before subsidies. In Pasco it is $517 at age 21 and $1,402 at age 60, and the lowest silver plan is $659 at 40.
Is any insurance company leaving Pasco County for 2027?
None of the seven carriers selling in Pasco 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 Pasco are published around November 1, 2026, and I will update this page then.
Can I get a PPO or a $0 deductible plan in Pasco County?
Yes to both. 14 of the 173 plans in Pasco are PPOs, all from Florida Blue, and 32 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Pasco is $601 a month before subsidies.
More for Pasco County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Pasco compares with the other 78 counties and parishes I track
- Estimate a Pasco subsidy
Get your Pasco County quote
Send me your ZIP and who needs coverage and I will compare every Pasco 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), Pasco County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines