SSL Encrypted Licensed Agents Free Service
Daniels Health Advisors
Book a 15-minute call
Clearwater Beach shoreline and Gulf water on a sunny day

Clearwater · Pinellas County

Clearwater health insurance broker. Plans based on where you live.

Free, licensed help for people in Clearwater and Pinellas County. Work elsewhere in the bay area? Your plan list still follows your home ZIP. We check your doctors, your tax credit, and the full-year cost.

  • Private & Secure
  • Fast Response
  • No Spam Calls

Photo: "Clearwater Beach, Clearwater, FL 33767, USA - panoramio (104)" by Evan Nichols, via Wikimedia Commons, licensed under CC BY 3.0. Cropped, resized, and converted to WebP.

Common questions

Live in Pinellas.
Shop for the right list.

Your Marketplace plans are based on where you live, not where you work. Here are three common questions for people who live in Clearwater.

“I work in Tampa. Which plans can I get?”

Your plan list is based on your home address. A Clearwater home means you shop for Pinellas County plans. If you want a doctor near work in Hillsborough County, look that doctor up in each Pinellas plan first.

“Is my hospital in the plan?”

In 2026, 106 of Pinellas County's 149 Marketplace plans were HMOs. An HMO usually pays only for doctors and hospitals in its network, except in an emergency.

“Will my tax credit be the same as last year?”

Maybe not. As of October 5, 2026, under current law, the extra help some people got in past years ended after 2025, and Congress has not brought it back. If your income is over 400% of the poverty level, you generally can't get a tax credit. Near that level, your credit may be small.

Pinellas County by the numbers

How Pinellas County
shops for coverage.

Here is what the latest numbers show for Clearwater and Pinellas County.

120,128

people in Pinellas County picked a 2026 Marketplace plan during open enrollment.

About 1 in 4

of those shoppers were ages 55 to 64, the largest age group.

90 in 100

of Pinellas County's 2026 shoppers got a tax credit.

149 plans

from 6 insurance companies were on Pinellas County's 2026 list.

23,632

people with a Clearwater ZIP code picked a 2026 Marketplace plan.

About 12 in 100

people under 65 in Pinellas County had no health insurance in 2024.

Sources: CMS 2026 Open Enrollment data (county and ZIP code files) and 2026 plan data, and U.S. Census Bureau (2025 population estimates and 2024 health insurance estimates). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

A licensed advisor
for Clearwater.

Daniels Health Advisors is an independent brokerage, so we are not tied to one insurance company. We pull up the Pinellas County plans you can buy. Then we check your doctors, the hospital you would use, and the total cost for the year—whether you see care in Clearwater or elsewhere in the bay area.

  • Clear answers, no pressure
  • Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
  • Free to you. Carriers pay us, not you.

How it works

Three simple steps.

Tell us who needs coverage

Share everyone's age and your home ZIP code in Clearwater or Pinellas County.

Check for a tax credit

We use your best guess of next year's household income to see what help you may get.

Check your doctors, then choose

We look up your doctors, hospital, and medicines in each plan. Then you make the choice.

Book a 15-minute call
Free · No obligation · About a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

The right county list,
checked for you.

If you shop with a Tampa ZIP by mistake, you will see the wrong plans. And if you skip the doctor check, a visit near work could cost more than you planned. Here is what you take away from our call:

  • Your home county confirmed, so you see Pinellas County plans
  • Your doctors and preferred hospital looked up in each plan
  • A tax credit estimate you understand, and a plan to update it if your income changes
  • One yearly number for each plan that adds up the premium, deductible, and copays
  • Sign-up done by December 15, 2026 (the deadline under current law), in time for a January 1, 2027, start once you pay the first premium

Hospitals in Clearwater

Each Pinellas County plan has its own network. Look up the hospital you would use in each plan before you sign up.

  • Morton Plant HospitalClearwater

This is not a list of in-network hospitals for any plan. Networks can change each year.

Straight answers

Clearwater health insurance questions.

Which companies offered Marketplace plans in Pinellas County for 2026?

Pinellas County plans for 2026 came from 6 companies: Ambetter Health, AvMed, Florida Blue, Molina Healthcare, Oscar, and Wellpoint. The 2027 list should be posted around November 1, 2026, when open enrollment starts.

I live in Clearwater but work in Tampa. Does that change my plans?

Your plans are based on your home address. Use your home ZIP code when you shop. If you want to see a doctor near work, look that doctor up in each Pinellas County plan before you enroll. We can do that with you.

Is Morton Plant Hospital in every plan?

Don't assume it is. Each plan picks its own hospitals and doctors, and most Pinellas County plans are HMOs. Look up the hospital in each plan's directory before you enroll.

Can I get a PPO in Pinellas County?

Some 2026 Pinellas County Marketplace plans were not HMOs: 14 were PPOs, 19 were EPOs, and 10 were POS plans. Each type has its own rules for doctors outside the network. If your tax credit is small or zero, a private PPO plan may be another option to look at. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

What if my income is very low?

As of October 5, 2026, Florida has not expanded Medicaid. Some adults with income below the poverty level do not qualify for Medicaid or for a tax credit. It is still worth applying, because children, pregnant women, and people with disabilities may qualify. Community health centers also charge based on what you can pay.

When is open enrollment for 2027 coverage?

As of October 5, 2026, under current law, you can sign up from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15. Outside those dates, you usually need a life event, such as a move or losing other coverage. Our Florida open enrollment guide has the details.

More help nearby

St. Petersburg Tampa Health insurance in St. Petersburg Health insurance in Tampa Self-employed health insurance Special enrollment in Florida Nationwide private PPO plans All areas we serve

Open enrollment starts November 1

Comparing plans in Clearwater or Pinellas County?

Set up a free 15-minute call, or start a quote online. No pressure, and no obligation to enroll.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 5, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, FLOIR, or a carrier. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. Official: HealthCare.gov. Verify licensing via NPN. Clearwater / Pinellas County / Tampa Bay area.