Health insurance cost in Hillsborough County, FL (2026)

173 Marketplace plans from 8 insurance companies are sold in Hillsborough County in 2026. Here is what they cost by tier and age, what a tax credit does to the price, the cheapest plans by name, and what private plans run for healthy households.

Cheapest Bronze, age 40

$478/mo

full price, before any credit

Silver benchmark, age 40

$649/mo

the plan tax credits are based on

Plans

173

130 HMO · 19 EPO · 14 PPO · 10 POS

Insurers

selling in this county

Deductibles

$0 to $10,600

individual, standard plans

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze (58 plans)	$374–$818	$425–$928	$478–$1,045	$668–$1,460	$1,016–$2,219
Silver (62 plans)	$505–$1,297	$573–$1,472	$645–$1,658	$902–$2,317	$1,370–$3,520
Gold (42 plans)	$466–$1,327	$528–$1,506	$595–$1,696	$832–$2,370	$1,264–$3,601
Platinum (10 plans)	$883–$1,796	$1,002–$2,039	$1,129–$2,296	$1,577–$3,208	$2,397–$4,875

Lowest to highest monthly premium among the plans sold in Hillsborough County, before any tax credit, from the CMS 2026 plan file (snapshot August 4, 2026).

Ranges at a glance (age 40)

Blue: Marketplace tiers, full price. Green: private plan range for a healthy 40-year-old man in Florida, after the advisors' usual adjustment.

What a tax credit does in Hillsborough County

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$362/mo	$478 → $117
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,428/mo	$1,517 → $89

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for Hillsborough County

Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.

Show my price ranges

Cheapest Marketplace plans in Hillsborough County

Priced for a 40-year-old, full price. Every plan, with deductibles and copays, is in the tool once you enter your household.

Cheapest Bronze plans

Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar Health Maintenance Organization of Florida · HMO$478/mo at 40 · deductible $9,000 · max out-of-pocket $10,600

myBlue Bronze 26M01-23 (Rewards)Florida Blue HMO (a BlueCross BlueShield FL company) · HMO$499/mo at 40 · deductible $10,125 · max out-of-pocket $10,150

Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + InWellpoint · HMO$504/mo at 40 · deductible $6,000 · max out-of-pocket $10,600

Cheapest Silver plans

myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers /Florida Blue HMO (a BlueCross BlueShield FL company) · HMO$645/mo at 40 · deductible $9,500 · max out-of-pocket $10,025

Clarity SilverAmbetter Health · HMO$649/mo at 40 · deductible $8,000 · max out-of-pocket $8,400

myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers Florida Blue HMO (a BlueCross BlueShield FL company) · HMO$649/mo at 40 · deductible $9,500 · max out-of-pocket $10,025

Cheapest Gold plans

Gold Simple | with AdventHealthOscar Health Maintenance Organization of Florida · HMO$595/mo at 40 · deductible $3,000 · max out-of-pocket $9,950

Gold Elite Saver Plus | with AdventHealthOscar Health Maintenance Organization of Florida · HMO$597/mo at 40 · deductible $0 · max out-of-pocket $9,500

Gold Classic Standard | with AdventHealthOscar Health Maintenance Organization of Florida · HMO$625/mo at 40 · deductible $2,000 · max out-of-pocket $8,200

Private plans in Florida

Age	Man, monthly range	Woman, monthly range
30	$63–$342	$145–$450
40	$137–$479	$173–$531
50	$272–$566	$254–$553
60	$440–$781	$368–$704

A family of four (parents 40 and 38 with two children) is typically quoted $517 to $1,003 a month in Florida. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.

Questions people ask

What is the cheapest health insurance in Hillsborough County?

For a 40-year-old paying full price, the cheapest Marketplace plan in Hillsborough County is a Bronze plan at $478 a month (Oscar Health Maintenance Organization of Florida). With a tax credit it can be far less; see the examples above. Private plans for a healthy 40-year-old man start around $137 a month.

How many health insurance companies sell Marketplace plans in Hillsborough County?

8 in 2026: Ambetter Health, AvMed, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Wellpoint. Between them they offer 173 plans (130 HMO · 19 EPO · 14 PPO · 10 POS).

Do I qualify for a tax credit in Hillsborough County?

Marketplace premium tax credits apply when household income is between 100% and 400% of the federal poverty level, which for 2026 means up to $62,600 for one person or $128,600 for a family of four. Florida did not expand Medicaid, so credits start at 100% of the poverty level. Enter your income in the tool to see your estimate.

When can I enroll?

Marketplace Open Enrollment runs from November 1 to mid-January in most states, or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby. Private plans can be applied for any month of the year.

Nearby counties in Florida

All Florida counties →

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.