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Panama City · Bay County

Panama City health insurance broker. Help in Bay County.

Free, licensed help for people in Panama City and Bay County. New to the area, or changing jobs? We check your deadline, your tax credit, and your doctors.

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Common questions

New in town?
Check your deadline.

In 2026, 93 in 100 Bay County Marketplace shoppers got a tax credit. Here are three common questions for people who live in Panama City.

“I just moved to Panama City. Can I sign up now?”

Moving to a new ZIP code or county may let you sign up outside open enrollment, usually within 60 days after the move. Some moves have extra rules, so we check your situation with you.

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

Maybe not. As of October 12, 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.

“Is my hospital in the plan?”

In 2026, 59 of Bay County's 106 Marketplace plans were HMOs. An HMO usually pays only for doctors and hospitals in its network, except in an emergency.

Bay County by the numbers

How Bay County
shops for coverage.

Here is what the latest numbers show for Panama City and Bay County.

31,347

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

93 in 100

of those Bay County shoppers got a tax credit in 2026.

106 plans

from 3 insurance companies were on Bay County's 2026 list.

4,327

people in ZIP code 32401, which is mostly inside Panama City, picked a 2026 Marketplace plan.

+14.3%

Panama City's growth from 2020 to 2025, to more than 37,800 people.

About 15 in 100

people under 65 in Bay County had no health insurance in 2024. The Florida rate was about 14 in 100.

Sources: CMS 2026 Open Enrollment data (county and ZIP code files) and 2026 plan data, and U.S. Census Bureau (2025 population estimates, 2020 ZIP code maps, 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 Panama City.

Daniels Health Advisors is an independent brokerage, so we are not tied to one insurance company. We pull up the Bay County plans you can buy. Then we check your doctors, the hospital you would use, and the total cost for the year.

  • 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 Panama City or Bay 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.

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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 full cost,
before you sign up.

If you choose by monthly price alone, a high deductible can surprise you later. A doctor who is not in your plan can too. Here is what you leave with:

  • A full-year cost for each plan, with the premium, deductible, and copays added up
  • Your doctors and hospital looked up in each plan you like
  • An income guess you can explain, and a plan to update it
  • 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 near Panama City

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

  • Ascension Sacred Heart BayPanama City
  • HCA Florida Gulf Coast HospitalPanama City

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

Straight answers

Panama City health insurance questions.

Which companies offered Marketplace plans in Bay County for 2026?

Bay County plans for 2026 came from 3 companies: Ambetter Health, Florida Blue, and Oscar. The 2027 list should be posted around November 1, 2026, when open enrollment starts.

I just moved to Panama City. Can I get coverage now?

You may. Moving to a new ZIP code or county can qualify you for a Special Enrollment Period. You usually have 60 days from the move to pick a plan. Some moves have extra rules, so ask us to check your situation.

I lost my job-based coverage. What can I do?

Losing job-based coverage can qualify you for a Special Enrollment Period. You usually have 60 days to pick a Marketplace plan. Our lost job coverage page has more on your choices.

Is Ascension Sacred Heart Bay in every plan?

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

Can I get a PPO in Bay County?

Some. Of Bay County's 106 Marketplace plans for 2026, 14 were PPOs. Another 19 were EPOs and 14 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.

When is open enrollment for 2027 coverage?

As of October 12, 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

Pensacola Tallahassee Special enrollment in Florida Lost your job? Coverage options Bronze vs. silver plans in Florida Self-employed health insurance Nationwide private PPO plans All areas we serve

Open enrollment starts November 1

Comparing plans in Panama City or Bay 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 12, 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. Panama City / Bay County / Northwest Florida.