Updated April 2026 · Florida Plan Finder · Licensed Florida Health Insurance Producer

How to Offer Health Insurance to Employees in Hillsborough County, Florida

Tampa's growing economy — spanning finance, healthcare, technology, hospitality, and logistics — makes Hillsborough County one of Florida's most active small group insurance markets. Florida Blue and Aetna compete strongly here, with BayCare Health System and Tampa General Hospital both integrated into major carrier networks. Hillsborough County small businesses can typically set up group health insurance in 3–4 weeks.

Steps to Set Up Group Coverage in Hillsborough County

1. Confirm eligibility. Minimum 2 enrolled W-2 employees for Florida small group. 70% participation threshold applies.
2. Get quotes. Florida Blue and Aetna are the leading Tampa Bay small group carriers. BayCare vs. HCA network inclusion can vary — confirm with your broker which carriers include which system for your employee locations.
3. Select plan tier and contribution level. Silver HMO is the most common choice for Tampa businesses competing for workers. Employers typically pay 60–75% of employee-only premiums.
4. Enroll and set up payroll deductions. Submit carrier application; coverage starts 1st of the following month after approval.

Hillsborough County Small Group Premium Ranges