What Small Group Health Insurance Costs in Pasco County (2026)
Pasco County rates are 5–10% below Central Florida, one of the lower-premium markets in the Tampa Bay region. The county's lower healthcare utilization — driven partly by its younger residential growth population in Wesley Chapel and the less dense medical infrastructure outside of BayCare and HCA facilities — keeps premiums below the Hillsborough County level. Figures below represent employer cost at 50% single-employee contribution.
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Pasco County Premium Ranges by Group Size
| Group Size | Bronze (avg age 36) | Silver | Gold |
|---|---|---|---|
| 3 employees | $325–$440/mo | $415–$562/mo | $500–$678/mo |
| 5 employees | $542–$733/mo | $692–$935/mo | $835–$1,128/mo |
| 8 employees | $867–$1,173/mo | $1,107–$1,496/mo | $1,335–$1,805/mo |
| 10 employees | $1,084–$1,466/mo | $1,384–$1,870/mo | $1,669–$2,257/mo |
Net Cost After SHOP Credit — Pasco County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $31k, Bronze | $638/mo | 50% | $319/mo |
| 8 employees, avg wage $40k, Bronze | $1,020/mo | 35% | $663/mo |
| 10 employees, avg wage $50k, Bronze | $1,275/mo | 20% | $1,020/mo |
Wesley Chapel Growth Corridor: The Wesley Chapel area in southeast Pasco County has seen explosive growth in retail, healthcare services, professional services, and logistics, with new employers entering the market regularly. For new Pasco County businesses starting their first group health plan, the below-average premium baseline and strong SHOP credit potential for service-sector employers make the timing particularly favorable. A 5-person Wesley Chapel retail or service business with average wages around $31,000 can offer Bronze coverage for as little as $319/month net — less than $64/employee/month in employer cost.
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