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Marketplace health plans in Hillsborough County, FL — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Hillsborough County, Florida has 173 Marketplace health plans from 8 insurers: 58 bronze, 62 silver, 42 gold, 10 platinum, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $648.49 per month; the lowest bronze premium is $478.32.
What changed vs 2025
- Benchmark silver premium up $159.07 a month (+32.5%) from 2025
- 8 more plans than 2025
- Insurers entered: Oscar Health Maintenance Organization of Florida
- Insurers exited: Aetna CVS Health, Oscar Insurance Company of Florida
- Lowest bronze premium up $105.02 a month
Market snapshot
- Residents under 65
- 1,293,584
- Insurers
- 8
- Plans by metal level
- 58 bronze, 62 silver, 42 gold, 10 platinum, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $648.49/mo
- Lowest bronze premium, age 40, before subsidies
- $478.32/mo
- Lowest gold premium, age 40, before subsidies
- $595.01/mo
- Lowest silver deductible
- $1,850
- Lowest out-of-pocket maximum
- $2,250
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 35 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 26 plans (Bronze, Silver, Gold)
- Molina Healthcare — 19 plans (Bronze, Silver, Gold)
- Oscar Health Maintenance Organization of Florida — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Wellpoint — 13 plans (Catastrophic, Bronze, Silver, Gold)
- AvMed — 11 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | Wellpoint Essential Catastrophic (+ Incentives) (44228FL0040004) | Wellpoint | HMO | $475.38 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Bronze Simple Breathe Easy with Enhanced COPD Benefits (21525FL0010006) | Oscar Health Maintenance Organization of Florida | HMO | $478.32 | $9,000 | $10,600 | 58 |
|---|
| Silver | myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) (30252FL0070061) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $645.22 | $9,500 | $10,025 | 62 |
|---|
| Gold | Gold Simple | with AdventHealth (21525FL0010023) | Oscar Health Maintenance Organization of Florida | HMO | $595.01 | $3,000 | $9,950 | 42 |
|---|
| Platinum | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) (30252FL0070075) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $1,128.70 | $0 | $2,250 | 10 |
|---|
One plan per metal level shown, of 173 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter Health) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $507.44 | $531.78 | $575.93 | $648.49 | $906.27 | $1,377.16 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.