Pinellas County, FL · Plan year 2027 at 2026 prices · Updated October 24, 2026

Pinellas County, Florida: what you'll pay in 2027

A 45-year-old in Pinellas County earning $35,000 would pay $25 a month for the cheapest bronze plan or $219 for the benchmark silver plan in 2027, after a premium tax credit of about $509 a month. Those figures use 2026 prices, because CMS had not published 2027 county prices as of this update.

Monthly cost after the 2027 credit

What each household would pay per month for the cheapest plan at each level, and for the benchmark silver plan, after the premium tax credit. Credit percentages are the 2027 IRS figures; premiums are Pinellas County's 2026 prices.

Household	Income	% of poverty line	Credit	Bronze	Silver	Benchmark	Gold
Single, 27	$25,000	157%	$432	about $0	$93	$96	$50
Single, 27	$45,000	282%	$166	$221	$359	$362	$316
Single, 45	$35,000	219%	$509	$25	$215	$219	$155
Single, 45	$60,000	376%	$217	$317	$507	$511	$447
Single, 45	$70,000	439%	$0	$534	$724	$728	$665
Single, 60	$35,000	219%	$1,150	about $0	$211	$219	$99
Single, 60	$60,000	376%	$858	$146	$503	$511	$391
Single, 60	$70,000	439%	$0	$1,004	$1,361	$1,369	$1,249
Couple, 62 and 60	$50,000	231%	$2,487	about $0	$314	$331	$85
Couple, 62 and 60	$85,000	393%	$2,094	about $0	$707	$724	$478
Couple, 62 and 60	$95,000	439%	$0	$2,068	$2,801	$2,818	$2,572
Family: 40, 38, kids 10 and 7 children likely on CHIP	$50,000	152%	$1,091	about $0	$175	$182	$71
Family: 40, 38, kids 10 and 7	$90,000	273%	$1,342	$158	$690	$703	$524
Family: 40, 38, kids 10 and 7	$140,000	424%	$0	$1,500	$2,033	$2,045	$1,866

Cheapest plan at each level and the benchmark (second-lowest-cost silver) for the people who'd be on a marketplace plan; children who'd likely qualify for CHIP are left out of the price. Non-smokers. Estimates, not quotes.

The math for one household

The 45-year-old earning $35,000, step by step:

The 2026 poverty guideline for one person, used for 2027 coverage, is $15,960. $35,000 is 219% of it.
At 219%, the 2027 IRS table expects 7.51% of income toward the benchmark plan: $219 a month.
The benchmark silver plan in Pinellas County costs a 45-year-old $728 a month at 2026 prices.
The credit is the difference: $728 minus $219, or $509 a month.
Applied to the cheapest bronze plan, it leaves $25; to the cheapest gold, $155.

The 400% line matters most at 60. A 60-year-old earning $70,000 is $6,160 over the $63,840 limit and gets no credit. Under the line, the credit here would be worth about $9,903 a year.

Prices in Pinellas County

Pinellas County premiums before the credit
Benchmark silver, age 40	$645 a month
Cheapest bronze, age 40	$473 a month
Cheapest silver, age 40	$641 a month
Cheapest gold, age 40	$588 a month
Insurers and plans	7 insurers, 149 plans
Benchmark rank in Florida	8 of 67 counties, cheapest first

If your income is low

Florida has not expanded Medicaid. Adults without children under 100% of the poverty line usually get neither Medicaid nor a credit. Children qualify for CHIP at higher incomes. Full limits are on the Florida page.

Get a reminder before Florida's 2027 deadlines

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Sources: CMS individual market plan file on data.healthcare.gov, plan year 2026; IRS Rev. Proc. 2026-26; HHS 2026 poverty guidelines; CMS default age curve; U.S. Census Bureau county population estimates, Vintage 2025 (to choose which counties get a page). Methods.

Questions people ask

How much is health insurance in Pinellas County for 2027?

It depends mostly on income. At 2026 prices, a 45-year-old earning $35,000 would pay $25 a month for the cheapest bronze plan and $219 for the benchmark silver plan after the 2027 premium tax credit of about $509 a month. Before any credit, the benchmark silver plan costs a 40-year-old $645 a month.

How many insurers sell marketplace plans in Pinellas County?

7 insurers offered 149 individual-market plans in 2026, according to CMS plan data.