The Henry B. Plant Museum and its silver minarets, seen across the Hillsborough River from the Tampa Riverwalk

Tampa · Hillsborough County

Tampa health insurance broker. A long list, made shorter.

Free, licensed help for people in Tampa and Hillsborough County. We narrow a long list of plans by checking your doctors, your tax credit, and the full-year cost.

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Photo: "Henry B. Plant Museum from Tampa Riverwalk, Tampa, Florida 2024" by Ken Lund, via Wikimedia Commons, licensed under CC BY-SA 2.0. Cropped, resized, and converted to WebP. This edited version is also licensed under CC BY-SA 2.0.

Common questions

A big county means
a big list of plans.

In 2026, Hillsborough County had 173 Marketplace plans to choose from. Here are three common questions for people who live in Tampa.

“I work in St. Petersburg. Which plans can I get?”

Your plan list is based on where you live, not where you work. A Tampa home means you shop for Hillsborough County plans. If you want a doctor near work, look that doctor up in each plan first.

“Is my hospital in the plan?”

In 2026, 130 of Hillsborough County's 173 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 3, 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.

Hillsborough County by the numbers

How Hillsborough County
shops for coverage.

Tampa is the largest city in Hillsborough County. Here is what the latest numbers show.

260,235

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

94 in 100

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

173 plans

from 7 insurance companies were on Hillsborough County's 2026 list.

175,588

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

+7.3%

Tampa's growth from 2020 to 2025, to about 413,600 people.

About 13 in 100

people under 65 in Hillsborough 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 DanielsLicensed health advisor · NPN 20986580

How we help

A licensed advisor
for Tampa families.

Daniels Health Advisors is an independent brokerage, so we are not tied to one insurance company. With 7 companies selling plans here in 2026, there is a lot to sort through. We line up the Hillsborough County plans you can buy. Then we check your doctors, your hospital, 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 Tampa or Hillsborough 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

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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.
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“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!”

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What you get

A short list
that fits you.

With so many plans, it is easy to pick one by monthly price alone. Then you may find out your doctor is not in it, or the deductible is higher than you thought. Here is what you take away from our call:

A short list of plans that include your doctors and hospital
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), so coverage can start January 1, 2027, once you pay the first premium

Hospitals in Tampa

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

Tampa General HospitalTampa
St. Joseph's HospitalTampa
AdventHealth TampaTampa

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

Straight answers

Tampa health insurance questions.

Which companies offered Marketplace plans in Hillsborough County for 2026?

Hillsborough County plans for 2026 came from 7 companies: Ambetter Health, AvMed, Florida Blue, Molina Healthcare, Oscar, UnitedHealthcare, and Wellpoint. The 2027 list should be posted around November 1, 2026, when open enrollment starts.

I live in Tampa but work in Pinellas or Pasco County. 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 plan before you enroll. We can do that with you.

Is Tampa General Hospital in every plan?

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

Can I get a PPO in Hillsborough County?

Some 2026 Hillsborough 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 3, 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 3, 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.

Open enrollment starts November 1

Comparing plans in Tampa or Hillsborough 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 3, 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. Tampa / Hillsborough County / Tampa Bay area.

Tampa health insurance broker. A long list, made shorter.

A big county meansa big list of plans.

How Hillsborough Countyshops for coverage.

A licensed advisorfor Tampa families.