Small business health insurance in Tampa Bay for 2027: what an ICHRA allowance buys in Hillsborough, Pinellas, Pasco and Hernando (median Silver $775 a month.
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The short answer: a Tampa Bay business with 1 to 50 employees has the same four routes as anywhere in Florida, priced on one of the deepest individual markets in the state: 7 insurers file 2027 plans in Hillsborough County, PPO plans among them, and the cheapest Silver plan for a 40-year-old is $658 a month before any credit (median $775). A group plan is quoted by the carriers from a census; an ICHRA or QSEHRA allowance is spent on the plans below. The agency behind this site is in Valrico, in Hillsborough County.
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Hillsborough, Pinellas, Pasco or Hernando: send your ZIP and your headcount, and a licensed agent in Valrico prices a group plan, an ICHRA, a QSEHRA and the owner’s own plan from your census, free.
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| County | Insurers | PPO filed | Cheapest Silver at 40 | Median Silver at 40 |
|---|---|---|---|---|
| Hillsborough | 7 | Yes | $658 | $775 |
| Pinellas | 6 | Yes | $667 | $761 |
| Pasco | 7 | Yes | $673 | $789 |
| Hernando | 4 | Yes | $665 | $774 |
Source: CMS Plan Year 2027 plan files; insurers filing under more than one company name are counted once; monthly, full price before any premium tax credit. Every county’s plan list is on Coverage by County; the Tampa hospitals and which insurers list them are on Plans By City.
| Hillsborough County, 2027, full price | Cheapest Silver | Median Silver |
|---|---|---|
| Employee 1, age 27 | $540 | $636 |
| Employee 2, age 30 | $585 | $689 |
| Employee 3, age 40 | $658 | $775 |
| Employee 4, age 50 | $920 | $1,083 |
| Employee 5, age 60 | $1,398 | $1,646 |
| Five people, a month | $4,102 | $4,830 |
| A year | $49,223 | $57,955 |
CMS Plan Year 2027 plan files, every individual-market Silver plan filed in Hillsborough County (7 insurers, PPO plans among them); full price, before any credit. QSEHRA cap for single coverage: $6,450 a year in 2026 ($537 a month). A group quote for the same five comes from the carriers, from this census.
The owner’s own coverage follows the entity (by entity type). Over $63,840 of net income for one person there is no credit, and a healthy owner compares a private plan; under it, the marketplace plans above with the credit. The rest of Florida: the Florida page; the 1099 side: Plans For 1099.
7 insurers file 2027 individual-market plans in Hillsborough County, with PPO plans among them; the cheapest Silver plan for a 40-year-old is $658 a month at full price and the median is $775.
Yes. Health Advisory, the agency behind this site, is in Valrico, Hillsborough County, run by Daniel Griffin, a licensed independent agent (NPN 22052447). The ZIP box on this page reaches him, not a call center.
Priced at the cheapest Silver plan in Hillsborough County for 2027, five people aged 27, 30, 40, 50 and 60 come to about $4,617 a month at full price, $5,436 at the median Silver; an ICHRA or QSEHRA allowance is what the business puts toward that.
Price the four routes for a Tampa Bay payrollBack to the ZIP box near the top of this page.