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

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

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.

Steps to Set Up Group Coverage in Pinellas County

1. Confirm eligibility. Minimum 2 enrolled W-2 employees. 70% participation required. No local Pinellas County requirements beyond Florida state rules.
2. Get quotes. Florida Blue and Aetna are the leading Pinellas County carriers. BayCare hospital access and St. Joseph's Hospital network inclusion are the primary network distinctions to evaluate for Pinellas employees.
3. Choose plan and contribution. For Clearwater and St. Pete businesses competing for service and hospitality workers, a Silver HMO with 60–70% employer contribution is a strong differentiator. Bronze with higher employer contribution is also competitive.
4. Enroll. Submit carrier application; coverage begins 1st of the following month. Set up pre-tax payroll deductions.

Pinellas County Small Group Premium Ranges