Hillsborough County (Tampa) small group health insurance costs in 2026 range from approximately $380–$490 per employee per month for Bronze HMO to $545–$690 for Gold HMO. Tampa is one of Florida's most competitive small group markets, with five or more carriers actively competing — making broker comparison shopping especially valuable. Oscar and Ambetter often offer Bronze and Silver premiums 10–20% below Florida Blue for similar coverage.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $380–$490 | $247–$319 | $133–$172 |
| Silver HMO | $455–$580 | $296–$377 | $159–$203 |
| Gold HMO | $545–$690 | $354–$449 | $191–$242 |
| Bronze PPO | $455–$570 | $296–$371 | $159–$200 |
Shopping group health for your team
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $7,104–$9,048/year |
| 5 employees | $17,760–$22,620/year |
| 10 employees | $35,520–$45,240/year |
| 20 employees | $71,040–$90,480/year |
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