Health insurance in Tampa and Hillsborough County

Young families, port jobs and farm seasons

Riverview, Brandon and the growing suburbs south and east of Tampa are full of young families. If you're adding a baby, that opens a Special Enrollment Period, usually 60 days, and children under 19 may qualify for Florida KidCare any time of year. Our family guide explains how household size changes your tax credit.

Hillsborough also has people working the port and warehouses, contractors, restaurant staff in Ybor City and seasonal farm workers around Plant City. Many have no job-based plan. If your income moves around, give the Marketplace your best guess for 2027 and update it during the year.

Companies selling Obamacare plans in Hillsborough

Seven companies sold Marketplace plans across all of Hillsborough County in 2026, 173 plans in total: Florida Blue (68), Ambetter Health (26), Molina Healthcare (19), Oscar Health (19), UnitedHealthcare (17), Wellpoint (13) and AvMed (11). None served only part of the county.

Source: CMS Marketplace public use files, plan year 2026. Lists for 2027 can change; your quote shows the current plans.

Cigna and AmeriHealth Caritas Next, which sold in South Florida and Orlando, did not sell here in 2026. Outside Florida Blue, every plan in Hillsborough was an HMO. Florida Blue was also the only company with Platinum, and Wellpoint had the one Catastrophic plan. Fewer companies than Miami or Orlando means the network of each HMO matters even more.

Tampa General, BayCare, Moffitt

Ask around Tampa and you'll hear about Tampa General Hospital, BayCare hospitals like St. Joseph's, AdventHealth and Moffitt Cancer Center. If you're being treated for something serious, check the network before anything else. Each plan has its own list and it changes yearly. Search the plan's directory for your hospital and specialists, or ask a licensed agent to check with you.

Prices in Hillsborough

Here are UnitedHealthcare Health ProtectorGuard (HPG) prices at age 40 in Hillsborough. They're the same in every Florida county we quoted. ACA prices depend on income and household size, so the quote figures in your tax credit.

HPG is fixed indemnity, and it is not a family health plan in the ACA sense. It pays set amounts, such as $150 per doctor visit on Premier 5000, and it doesn't cover counseling the way ACA plans do. It has no out-of-pocket maximum, isn't minimum essential coverage and asks health questions. The fixed indemnity page lays out what it pays.

Hillsborough ZIP codes

We have 58 Hillsborough ZIP codes on file. A few on the eastern edge are shared with Polk County. If yours is one, the quote asks which county you live in.

ZIP codes in Hillsborough County. If yours spans two counties, the form asks which one.

33503335103351133527335303353433540335473354833549335503355633558335593356333565335663356733569335703357233573335783357933584335923359433596335983360233603336043360533606336073360933610336113361233613336143361533616336173361833619336203362133624336253362633629336343363533637336473381033860

Enrollment dates for 2027

Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for a January 1 start. Between December 16 and January 15, coverage starts February 1.

1. November 1, 2026Open Enrollment opens
2. December 15, 2026Last day to pick a plan that starts January 1
3. January 15, 2027Open Enrollment ends. Plans picked from Dec 16 start February 1

After that you need a Special Enrollment Period (a life event like losing coverage, moving, marriage or a baby). Medicaid and Florida KidCare take applications any time.

Source: HealthCare.gov dates for 2027 coverage

We are not HealthCare.gov. You see prices here and finish the application on HealthSherpa, a private site connected to the federal Marketplace. Across the bay: Pinellas County. To the east: Polk County. Or see all Florida counties.