What Small Group Health Insurance Costs in Hillsborough County (2026)
Hillsborough County (Tampa) rates are approximately on par with — or 3–5% below — Central Florida, making Tampa one of the most cost-comparable large metro markets in the state. BayCare, Tampa General Hospital, and AdventHealth Tampa all participate in major carrier networks, giving employers competitive options. The tables below show employer cost at 50% single-employee contribution.
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Hillsborough County Premium Ranges by Group Size
| Group Size | Bronze (avg age 37) | Silver | Gold |
|---|---|---|---|
| 3 employees | $345–$465/mo | $440–$595/mo | $530–$715/mo |
| 5 employees | $575–$775/mo | $735–$990/mo | $885–$1,195/mo |
| 8 employees | $920–$1,240/mo | $1,175–$1,585/mo | $1,415–$1,910/mo |
| 10 employees | $1,150–$1,550/mo | $1,470–$1,980/mo | $1,770–$2,390/mo |
| 15 employees | $1,725–$2,325/mo | $2,200–$2,970/mo | $2,655–$3,580/mo |
Net Cost After SHOP Credit — Hillsborough County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $31k, Bronze | $675/mo | 50% | $338/mo |
| 8 employees, avg wage $42k, Bronze | $1,080/mo | 30% | $756/mo |
| 10 employees, avg wage $50k, Silver | $1,725/mo | 20% | $1,380/mo |
| 15 employees, avg wage $38k, Bronze | $2,025/mo | 40% | $1,215/mo |
Tampa's Tech Economy and Premium Tier Strategy: Hillsborough County has a growing technology and financial services sector — particularly in Ybor City, Channelside, and the Westshore business district — where average wages often exceed the SHOP credit threshold. For these higher-wage Tampa employers, the Silver or Gold tier is a more practical recruiting tool than Bronze, because SHOP credit is unavailable and the deductible-reduction of Silver and the predictable out-of-pocket of Gold matters to tech workers comparing offer packages. The $300–$400/month premium difference between Bronze and Gold for a 10-person group is often recovered in reduced employee turnover.
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