St. Petersburg's arts economy, small businesses, and creative workforce mean a large population shopping for their own health insurance. Pinellas County's competitive market keeps rates low.
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Same four-carrier market as Clearwater/Pinellas. Florida Blue covers BayCare and Bayfront Health. Ambetter and Molina offer lower premiums for subsidy-eligible residents. Oscar's app-based model appeals to St. Pete's younger, tech-comfortable demographic.
St. Pete has a large creative and gig economy workforce — artists, freelancers, restaurateurs, boutique business owners. Many earn variable income, which makes ACA plan selection more nuanced. Estimated annual income is used for subsidy calculation; you can reconcile on your taxes if your income varies.
The table below shows estimated monthly premiums for a Silver plan after federal subsidies, based on household income. Actual costs vary by age, plan, and carrier.
| Household Size | Income Range | % of FPL | Estimated Monthly Premium | Subsidy Level |
|---|---|---|---|---|
| 1 person | Under $15,060 | Under 100% | Medicaid (may apply) | Check Eligibility |
| 1 person | $15,060 – $22,590 | 100–150% | $0/month | Maximum Subsidy |
| 1 person | $22,590 – $37,650 | 150–250% | $0 – $80/month | High Subsidy |
| 1 person | $37,650 – $60,240 | 250–400% | $80 – $250/month | Moderate Subsidy |
| Family of 4 | Under $31,200 | Under 100% | Medicaid (may apply) | Check Eligibility |
| Family of 4 | $31,200 – $46,800 | 100–150% | $0 – $30/month | Maximum Subsidy |
| Family of 4 | $46,800 – $78,000 | 150–250% | $30 – $200/month | High Subsidy |
| Family of 4 | $78,000 – $124,800 | 250–400% | $200 – $600/month | Moderate Subsidy |
Estimates based on 2026 FPL guidelines. Actual amounts vary by age and plan. Florida did not expand Medicaid — residents below 100% FPL without dependent children may not qualify for Medicaid.
Pinellas County (St. Pete) has four ACA carriers: Florida Blue, Ambetter, Molina, and Oscar. Florida Blue covers BayCare and Bayfront Health. Compare all four — Pinellas is one of Florida's more competitive markets.
You estimate your annual income when you apply. If your actual income is higher, you may repay some subsidy at tax time. If it's lower, you'll receive a refund. Many freelancers enroll using a conservative estimate and reconcile at year-end. A licensed agent can help you choose the best approach.
Pinellas County has some of Florida's more competitive rates. Unsubsidized premiums: $172–$620/month. With income-based subsidies, many St. Pete residents pay $0–$60/month. Use our quote form to see your specific cost.
Yes. All ACA-compliant plans are required to cover mental health and substance use services at the same level as physical health care. Coverage details vary by plan — verify specific therapists or psychiatrists are in-network.
Open Enrollment: November 1 – January 15. Special Enrollment Periods year-round for qualifying life events.
The process is simpler than most people expect. Here's exactly what happens when you work with FL Health Guide:
Free service. Licensed Florida agents. Takes 2 minutes.
Check My Eligibility →Or call: (888) 990-4921