- 6carriers selling 2026 marketplace plans in Pinellas County
- 149plans on the Pinellas shelf, from 50 bronze to 36 gold
- $645benchmark 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 ten in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 68 of the 149 plans in Pinellas, 46 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) | 68 | 23 | 23 | 12 | 10 | EPO 19, HMO 25, POS 10, PPO 14 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| Molina Healthcare | 19 | 7 | 5 | 7 | 0 | HMO 19 |
| OscarOscar Health Maintenance Organization of Florida | 19 | 7 | 8 | 4 | 0 | HMO 19 |
| Wellpoint | 13 | 4 | 4 | 4 | 0 | HMO 13 |
| AvMed | 11 | 3 | 5 | 3 | 0 | HMO 11 |
Pinellas plan counts from the CMS 2026 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 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 | $370 | $473 | $1,004 | $946 | $1,512 |
| Lowest silver | $501 | $641 | $1,361 | $1,282 | $2,049 |
| Benchmark silver (second lowest) | $504 | $645 | $1,369 | $1,289 | $2,061 |
| Lowest gold | $460 | $588 | $1,249 | $1,177 | $1,881 |
| Lowest platinum | $865 | $1,105 | $2,347 | $2,210 | $3,533 |
Benchmark silver is the second lowest of the 52 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, $588 a month, is $52 cheaper than the cheapest silver plan at $641. 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 $3,000.
In Pinellas County the benchmark is $172 above the cheapest bronze at age 40, and 31 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 $645 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 $365 and at 21 it shrinks to $134, 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 $4 a month at 40 and the cheapest bronze by $5. 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 | 1 | 0 | |
| Bronze | 4 | 0 | $6,150 to $10,125 |
| Expanded Bronze | 46 | 14 | $0 to $10,150 |
| Silver | 52 | 0 | $1,850 to $9,500 |
| Gold | 36 | 6 | $0 to $3,000 |
| Platinum | 10 | 8 | |
| Total | 149 | 28 |
By network type the 149 Pinellas plans break down as 106 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 Pinellas shelf to one company. 28 plans in Pinellas have a $0 medical deductible (14 expanded bronze, 8 platinum and 6 gold). The 14 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 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 $645 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 2026 plans and prices for Pinellas County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Pinellas 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 Pinellas County coverage
How many health insurance companies sell marketplace plans in Pinellas County, Florida?
For 2026, six carriers sell individual marketplace plans in Pinellas County: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, Wellpoint and AvMed. Together they offer 149 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 $370 a month for a 21 year old, $473 at 40 and $1,004 at 60. In Pinellas a couple both aged 40 pays $946 for the cheapest bronze, and two 40 year olds with two children pay $1,512. Catastrophic plans in Pinellas, open only to people under 30 or with a hardship exemption, start at $372 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $645 a month for a 40 year old in Pinellas County before subsidies. In Pinellas it is $504 at age 21 and $1,369 at age 60, and the lowest silver plan is $641 at 40.
Is any insurance company leaving Pinellas County for 2027?
None of the six carriers selling in Pinellas 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 Pinellas are published around November 1, 2026, and I will update this page then.
Can I get a PPO or a $0 deductible plan in Pinellas County?
Yes to both. 14 of the 149 plans in Pinellas are PPOs, all from Florida Blue, and 28 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Pinellas is $588 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 2026 (public use file), Pinellas County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines