ACA plans available
149
Plan year
2026 data Public-data reference. official source
Pinellas, Florida Health Insurance
Open-data reference.
149 ACA plans from 7 issuers — Plan year 2026
Pinellas, Florida offers 149 ACA marketplace plans from 7 issuers for plan year 2026. Bronze plans start at $401/mo and Silver plans start at $525/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$656
Avg Silver Premium/mo
$529
Benchmark Premium/mo
+44.3%
Year-over-Year Change
$4,861
Avg Deductible
What the Numbers Say About Pinellas
Pinellas, Florida has 149 ACA marketplace plans offered by 7 issuers for plan year 2026. The average Silver-tier premium comes in at $656/mo for a 27-year-old non-tobacco user, with the lowest Silver at $525 and the highest at $1,354. Bronze plans start at $401/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $529/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,861 and the average out-of-pocket maximum is $8,665 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Pinellas shifted by +44.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 7 issuers active in Pinellas, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
4 plans$607/mo avg
$401 — $775
Silver
52 plans$656/mo avg
$525 — $1,354
Gold
36 plans$747/mo avg
$482 — $1,385
Platinum
10 plans$1,363/mo avg
$906 — $1,875
Catastrophic plan available: avg $390/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Pinellas is $529/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
7
Competitive market
Benchmark Silver
$529 /mo
Sets your subsidy ceiling
Avg deductible
$4,861
Across all metal tiers
Pinellas ACA plans by premium and deductible
Each marker is the Pinellas average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Pinellas, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Pinellas
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 35 | $683/mo |
| Florida Blue (BlueCross BlueShield FL) | 33 | $1,000/mo |
| Oscar Health Maintenance Organization of Florida | 19 | $491/mo |
| Ambetter Health | 19 | $536/mo |
| Molina Healthcare | 19 | $651/mo |
| Wellpoint | 13 | $509/mo |
| AvMed | 11 | $643/mo |
All Plans in Pinellas
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) Wellpoint | Catastrophic | HMO | $390.03 | $475.63 | $10,600 | $10,600 |
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $400.62 | $488.54 | $10,125 | $10,150 |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $583.20 | $711.19 | $6,150 | $10,150 |
| BlueCare Bronze 24K02-18 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | POS | $669.65 | $816.62 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $775.08 | $945.18 | $6,150 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $387.82 | $472.94 | $9,000 | $10,600 |
| Bronze Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $409.00 | $498.76 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $413.66 | $504.44 | $6,000 | $10,600 |
| Bronze Classic 4700 | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $419.31 | $511.34 | $4,700 | $9,200 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $419.51 | $511.58 | $8,450 | $10,150 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $420.03 | $512.21 | $5,500 | $10,600 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $420.80 | $513.15 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Expanded Bronze | HMO | $423.63 | $516.61 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $427.80 | $521.69 | $5,500 | $10,600 |
| Bronze Classic Standard Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $428.85 | $522.97 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $430.86 | $525.42 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $432.18 | $527.03 | $7,500 | $10,000 |
| Bronze Simple Diabetes Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $434.21 | $529.50 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $439.54 | $536.01 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $444.75 | $542.35 | $0 | $10,600 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $456.39 | $556.56 | $2,625 | $10,150 |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $457.06 | $557.37 | $7,500 | $10,000 |
| myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $462.17 | $563.60 | $6,000 | $10,150 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $479.18 | $584.34 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $492.14 | $600.15 | $0 | $10,500 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $493.53 | $601.85 | $0 | $10,150 |
| myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $496.59 | $605.58 | $0 | $10,150 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $502.86 | $613.22 | $0 | $10,150 |
| AvMed Entrust Expanded Bronze Standard (2026) AvMed | Expanded Bronze | HMO | $519.18 | $633.12 | $7,500 | $10,000 |
| Molina Bronze Standard Molina Healthcare | Expanded Bronze | HMO | $526.58 | $642.15 | $7,500 | $10,000 |
| AvMed Entrust Bronze 650 (2026) AvMed | Expanded Bronze | HMO | $526.63 | $642.20 | $10,150 | $10,150 |
| AvMed Entrust Bronze 600 (2026) AvMed | Expanded Bronze | HMO | $534.57 | $651.89 | $6,500 | $9,500 |
| Molina Bronze Enhanced 3500 Molina Healthcare | Expanded Bronze | HMO | $539.51 | $657.91 | $3,500 | $9,950 |
| Molina Bronze Enhanced 3500 Pluswith Adult Vision Molina Healthcare | Expanded Bronze | HMO | $543.27 | $662.50 | $3,500 | $9,950 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $556.52 | $678.66 | $3,500 | $9,950 |
| Molina Bronze Premier with $0 Medical Deductible Molina Healthcare | Expanded Bronze | HMO | $590.07 | $719.57 | $0 | $10,350 |
| Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision Molina Healthcare | Expanded Bronze | HMO | $593.84 | $724.17 | $0 | $10,350 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $605.21 | $738.03 | $7,500 | $10,000 |
| Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $607.06 | $740.28 | $0 | $10,350 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $610.39 | $744.35 | $6,650 | $7,400 |
| BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $614.70 | $749.61 | $6,500 | $10,000 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $641.04 | $781.73 | $0 | $9,900 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $644.44 | $785.87 | $0 | $9,900 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $651.23 | $794.15 | $0 | $9,900 |
| BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $707.25 | $862.47 | $7,500 | $10,000 |
| BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $723.33 | $882.08 | $6,500 | $10,000 |
| BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $764.54 | $932.33 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $804.20 | $980.70 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $811.32 | $989.38 | $6,650 | $7,400 |
| BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $817.18 | $996.52 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $853.54 | $1,040.87 | $0 | $9,900 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $525.44 | $640.75 | $9,500 | $10,150 |
| myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $528.60 | $644.61 | $9,500 | $10,150 |
| Silver Simple PCP Saver | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $529.03 | $645.13 | $5,000 | $9,250 |
| Clarity Silver Ambetter Health | Silver | HMO | $532.74 | $649.66 | $8,000 | $8,400 |
| myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $533.59 | $650.69 | $7,000 | $9,150 |
| Silver Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $533.75 | $650.90 | $6,000 | $8,900 |
| Silver Simple Diabetes | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $534.05 | $651.26 | $6,500 | $10,000 |
| myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $534.91 | $652.30 | $9,500 | $10,150 |
| Silver Simple Chronic Care CKM | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $535.10 | $652.53 | $5,900 | $10,150 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $536.04 | $653.68 | $3,500 | $10,150 |
| myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $536.63 | $654.40 | $7,000 | $9,150 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $538.20 | $656.32 | $1,850 | $9,100 |
| Silver Elite | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $540.07 | $658.59 | $5,000 | $9,850 |
| myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $542.93 | $662.08 | $7,000 | $9,150 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $543.92 | $663.29 | $3,500 | $10,150 |
| myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $545.35 | $665.03 | $6,500 | $9,200 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Silver | HMO | $547.78 | $668.00 | $6,000 | $8,900 |
| myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $548.39 | $668.74 | $6,500 | $9,200 |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $551.19 | $672.15 | $3,150 | $8,675 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $554.22 | $675.86 | $3,150 | $8,675 |
| myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $554.66 | $676.39 | $6,500 | $9,200 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $560.50 | $683.51 | $3,150 | $8,675 |
| Silver Classic Standard Oscar Health Maintenance Organization of Florida | Silver | HMO | $560.53 | $683.54 | $6,000 | $8,900 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $560.64 | $683.68 | $6,200 | $9,600 |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $560.75 | $683.82 | $6,000 | $8,900 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $561.40 | $684.61 | $6,000 | $10,150 |
| Standard Silver Ambetter Health | Silver | HMO | $568.24 | $692.95 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $575.09 | $701.30 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $583.61 | $711.70 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $584.61 | $712.91 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $590.65 | $720.28 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $600.43 | $732.20 | $5,000 | $8,650 |
| AvMed Entrust Silver Standard (2026) AvMed | Silver | HMO | $650.37 | $793.11 | $6,000 | $8,900 |
| AvMed Entrust Silver 550 (2026) AvMed | Silver | HMO | $661.17 | $806.28 | $6,250 | $8,000 |
| AvMed Entrust Silver 550 Dental+Vision (2026) AvMed | Silver | HMO | $663.94 | $809.65 | $6,250 | $8,000 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare | Silver | HMO | $666.52 | $812.79 | $7,000 | $10,150 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $671.63 | $819.03 | $6,000 | $8,990 |
| Molina Silver Core Pluswith Adult Vision Molina Healthcare | Silver | HMO | $675.38 | $823.60 | $6,000 | $8,990 |
| AvMed Entrust Silver 350 (2026) AvMed | Silver | HMO | $680.31 | $829.62 | $3,500 | $9,250 |
| AvMed Entrust Silver 350 Dental+Vision (2026) AvMed | Silver | HMO | $683.16 | $833.09 | $3,500 | $9,250 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $688.59 | $839.71 | $6,000 | $8,990 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $694.51 | $846.93 | $6,000 | $8,900 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $781.65 | $953.20 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $785.10 | $957.40 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $791.98 | $965.80 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $794.60 | $968.99 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $803.59 | $979.94 | $3,125 | $8,100 |
| BlueCare Silver 24K02-21 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $904.73 | $1,103.28 | $4,000 | $8,100 |
| BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $935.21 | $1,140.46 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,253.05 | $1,528.05 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,338.38 | $1,632.11 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,353.90 | $1,651.04 | $3,125 | $8,100 |
| Gold Simple | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $482.44 | $588.32 | $3,000 | $9,950 |
| Gold Elite Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $483.78 | $589.96 | $0 | $9,500 |
| Gold Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $506.79 | $618.02 | $2,000 | $8,200 |
| Gold Classic Standard Oscar Health Maintenance Organization of Florida | Gold | HMO | $532.08 | $648.86 | $2,000 | $8,200 |
| Standard Gold Ambetter Health | Gold | HMO | $556.10 | $678.15 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $568.14 | $692.83 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $571.15 | $696.50 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $583.51 | $711.58 | $800 | $7,250 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $586.50 | $715.22 | $800 | $9,000 |
| Complete Gold Ambetter Health | Gold | HMO | $587.13 | $715.98 | $1,450 | $7,500 |
| Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $592.27 | $722.25 | $800 | $9,000 |
| Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Gold | HMO | $598.54 | $729.90 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $599.39 | $730.94 | $1,400 | $5,000 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $603.01 | $735.35 | $1,450 | $7,500 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $664.98 | $810.92 | $2,000 | $8,200 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $676.31 | $824.73 | $940 | $4,500 |
| myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $700.34 | $854.04 | $0 | $6,550 |
| Molina Gold Enhanced 895 Molina Healthcare | Gold | HMO | $705.08 | $859.82 | $895 | $8,700 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $705.59 | $860.45 | $1,640 | $8,100 |
| AvMed Entrust Gold Standard (2026) AvMed | Gold | HMO | $708.65 | $864.16 | $2,000 | $8,200 |
| Molina Gold Enhanced 895 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $708.83 | $864.40 | $895 | $8,700 |
| Molina Gold Core 1640 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $709.39 | $865.08 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $722.04 | $880.50 | $895 | $8,700 |
| AvMed Entrust Gold 125 (2026) AvMed | Gold | HMO | $722.22 | $880.73 | $2,000 | $5,850 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $722.59 | $881.17 | $1,640 | $8,100 |
| AvMed Entrust Gold 125 Dental+Vision (2026) AvMed | Gold | HMO | $725.20 | $884.36 | $2,000 | $5,850 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $738.14 | $900.13 | $2,000 | $8,200 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $879.03 | $1,071.95 | $2,000 | $8,200 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $899.83 | $1,097.32 | $1,500 | $6,450 |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $923.57 | $1,126.26 | $0 | $6,250 |
| BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $926.99 | $1,130.43 | $0 | $6,250 |
| BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,049.68 | $1,280.04 | $2,000 | $8,200 |
| BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,113.29 | $1,357.62 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,316.89 | $1,605.90 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,348.18 | $1,644.06 | $1,500 | $6,450 |
| BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,384.81 | $1,688.72 | $0 | $6,250 |
| myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $906.20 | $1,105.07 | $0 | $2,250 |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $949.28 | $1,157.61 | $0 | $5,200 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,151.46 | $1,404.16 | $1,000 | $4,000 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,183.40 | $1,443.12 | $0 | $2,525 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,233.30 | $1,503.96 | $0 | $5,200 |
| BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,357.02 | $1,654.84 | $0 | $2,525 |
| BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,422.10 | $1,734.21 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,748.94 | $2,132.78 | $1,000 | $4,000 |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,799.31 | $2,194.20 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,874.86 | $2,286.33 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $435/mo | $375 | $792 | 72 | 8 |
| 2023 | $465/mo | $382 | $784 | 61 | 7 |
| 2024 | $479/mo | $383 | $853 | 51 | 8 |
| 2025 | $496/mo | $405 | $899 | 50 | 8 |
| 2026 | $656/mo | $525 | $1,354 | 52 | 7 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Florida
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Pinellas, FL?
There are 149 ACA marketplace plans available in Pinellas from 7 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Pinellas?
The lowest-premium plan in Pinellas starts at $401/mo (Bronze tier, age 27). Silver plans start at $525/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Pinellas?
The benchmark (second-lowest Silver) premium in Pinellas is $529/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Pinellas?
Average premiums in Pinellas changed by +44.3% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Pinellas?
The average annual deductible across all plans in Pinellas is $4,861, and the average out-of-pocket maximum is $8,665. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Pinellas?
There are 7 insurance issuers offering ACA marketplace plans in Pinellas, including Florida Blue HMO (a BlueCross BlueShield FL company), Florida Blue (BlueCross BlueShield FL), Oscar Health Maintenance Organization of Florida, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
