Pinellas County — St. Petersburg, Clearwater, Largo, and Dunedin — is one of Florida's densest small business markets. The county's thriving arts economy in St. Pete, Clearwater Beach's hospitality corridor, Largo's professional services firms, and Dunedin's small retail businesses all compete for workers in a tight Tampa Bay labor market. Florida Blue and Aetna are the primary Pinellas County small group carriers, with BayCare Health System and HCA Florida operating extensive networks across the county.
| Plan Tier | Total Premium/Employee/Month | Employer Share (65%) |
|---|---|---|
| Bronze HMO | $370–$475 | $241–$309 |
| Silver HMO | $445–$565 | $289–$367 |
| Gold HMO | $535–$675 | $348–$439 |
Florida Blue and Aetna are the primary Pinellas County small group carriers. BayCare Health System and HCA Florida Northside Hospital are the key hospital networks to verify for your employees' locations in St. Petersburg, Clearwater, or Largo.
Yes — if your Pinellas County business has fewer than 25 FTEs and average annual wages under $62,000 (which applies to many arts and creative economy businesses), you may qualify for a federal tax credit up to 50% of premiums paid for two consecutive years through the SHOP marketplace.
Typically 3–4 weeks. Apply by mid-month for a 1st-of-next-month effective date. The Tampa Bay market is well-served by both carriers with efficient processing.
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