- 6carriers selling 2027 marketplace plans in Pinellas County
- 160plans on the Pinellas shelf, from 55 bronze to 38 gold
- $683benchmark silver for a 40 year old in Pinellas, full price per month
Who sells marketplace plans in Pinellas County
Six companies sell in Pinellas, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 71 of the 160 plans in Pinellas, 44 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 71 | 25 | 24 | 13 | 8 | EPO 19, HMO 27, POS 11, PPO 14 |
| OscarOscar Health Maintenance Organization of Florida | 36 | 13 | 14 | 9 | 0 | HMO 36 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AvMed | 11 | 3 | 5 | 3 | 0 | HMO 11 |
| AmeriHealth Caritas Next New for 2027 | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Pinellas plan counts from the CMS 2027 landscape file (county FIPS 12103, Rating Area 52). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Pinellas County for 2027
Molina Healthcare sold 19 of the 149 plans in Pinellas County in 2026 and has no plans here in the 2027 CMS file. If you were enrolled with Molina Healthcare, you should have a notice by now. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions. New in Pinellas for 2027: AmeriHealth Caritas Next. Pinellas now has six carriers and 160 plans, against six carriers and 149 plans in 2026.
What it costs in Pinellas County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Pinellas 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 Pinellas 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 | $400 | $511 | $1,085 | $1,022 | $1,634 |
| Lowest silver | $522 | $667 | $1,416 | $1,333 | $2,132 |
| Benchmark silver (second lowest) | $535 | $683 | $1,451 | $1,367 | $2,185 |
| Lowest gold | $496 | $633 | $1,345 | $1,267 | $2,025 |
| Lowest platinum | $1,543 | $1,972 | $4,188 | $3,944 | $6,306 |
Benchmark silver is the second lowest of the 57 silver premiums listed for Pinellas. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Pinellas County
The gold row is the surprise in Pinellas County. The cheapest gold plan for a 40 year old, $633 a month, is $33 cheaper than the cheapest silver plan at $667. 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 Pinellas shelf, and a gold deductible here tops out at $2,750.
In Pinellas County the benchmark is $172 above the cheapest bronze at age 40, and 27 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 $683 benchmark minus what the government expects you to pay from your income. A 40 year old in Pinellas whose expected share is $172 a month or less would pay nothing for the cheapest bronze. At 60 the Pinellas gap grows to $366 and at 21 it shrinks to $135, which is why older enrollees are the ones most likely to find a $0 plan.
Prices barely differ between Pinellas and nearby Hillsborough County. The benchmark differs by $5 a month at 40 and the cheapest bronze by $3. UnitedHealthcare sells in Hillsborough County and not in Pinellas.
Pinellas plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 2 | 0 | $11,975 to $12,000 |
| Expanded Bronze | 53 | 12 | $0 to $10,150 |
| Silver | 57 | 0 | $1,850 to $11,925 |
| Gold | 38 | 6 | $0 to $2,750 |
| Platinum | 8 | 6 | |
| Total | 160 | 24 |
By network type the 160 Pinellas plans break down as 116 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 Pinellas shelf to one company. 24 plans in Pinellas have a $0 medical deductible (12 expanded bronze, 6 platinum and 6 gold). The 12 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.
Every Pinellas price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Pinellas the premium tax credit is measured against the $683 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Pinellas numbers for you.
2027 plans for Pinellas County
These are the 2027 plans and prices for Pinellas 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 Pinellas plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Pinellas County coverage
How many health insurance companies sell marketplace plans in Pinellas County, Florida?
For 2027, six carriers sell individual marketplace plans in Pinellas County: Florida Blue, Oscar, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 160 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Pinellas County?
At full price before any subsidy, the cheapest bronze plan in Pinellas County is $400 a month for a 21 year old, $511 at 40 and $1,085 at 60. In Pinellas a couple both aged 40 pays $1,022 for the cheapest bronze, and two 40 year olds with two children pay $1,634. Catastrophic plans in Pinellas, open only to people under 30 or with a hardship exemption, start at $323 at age 21. Most people in Pinellas who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Pinellas County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $683 a month for a 40 year old in Pinellas County before subsidies. In Pinellas it is $535 at age 21 and $1,451 at age 60, and the lowest silver plan is $667 at 40.
Which insurance companies left Pinellas County for 2027?
Molina Healthcare sold 19 plans in Pinellas County in 2026 and has no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Florida Blue, Oscar, Ambetter Health, Wellpoint and AvMed. New for 2027: AmeriHealth Caritas Next.
Can I get a PPO or a $0 deductible plan in Pinellas County?
Yes to both. 14 of the 160 plans in Pinellas are PPOs, all from Florida Blue, and 24 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Pinellas is $633 a month before subsidies.
More for Pinellas County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Pinellas compares with the other 78 counties and parishes I track
- Estimate a Pinellas subsidy
Get your Pinellas County quote
Send me your ZIP and who needs coverage and I will compare every Pinellas 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 2027 (public use file), Pinellas County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines