What Small Group Health Insurance Costs in Pinellas County (2026)
Pinellas County rates are 5–8% below Central Florida, similar to Hillsborough County and among the more competitive of the major Florida metros. BayCare Health System and Johns Hopkins All Children's Hospital anchor the network landscape, with Florida Blue and Ambetter as the primary carrier options. The tables below show employer cost at 50% single-employee contribution.
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Pinellas County Premium Ranges by Group Size
| Group Size | Bronze (avg age 38) | Silver | Gold |
|---|---|---|---|
| 3 employees | $335–$453/mo | $428–$578/mo | $515–$698/mo |
| 5 employees | $558–$755/mo | $713–$963/mo | $860–$1,163/mo |
| 8 employees | $893–$1,207/mo | $1,140–$1,541/mo | $1,375–$1,859/mo |
| 10 employees | $1,116–$1,508/mo | $1,425–$1,926/mo | $1,718–$2,323/mo |
Net Cost After SHOP Credit — Pinellas County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $30k, Bronze | $657/mo | 50% | $329/mo |
| 8 employees, avg wage $40k, Bronze | $1,050/mo | 35% | $683/mo |
| 10 employees, avg wage $50k, Silver | $1,676/mo | 20% | $1,341/mo |
St. Pete's Tech and Creative Economy: St. Petersburg has developed a growing technology, digital media, and creative professional sector — particularly around the downtown waterfront and the Edge District. Employers in this segment typically have higher average wages, reducing SHOP credit eligibility, but also have employees who actively compare benefit packages when evaluating job offers. For St. Pete tech employers, the Pinellas County premium baseline (5–8% below Central Florida) combined with the BayCare network's strong in-county coverage makes group coverage a cost-effective recruiting tool at a lower price point than competing metro markets like Tampa or Miami.
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We provide exact premium quotes for Pinellas County groups. Call or use the form. Florida License #L088529.