Pasco County (Wesley Chapel, New Port Richey, Zephyrhills) small group health insurance costs in 2026 range from approximately $365–$470 per employee per month for Bronze HMO to $530–$670 for Gold HMO. Pasco County rates are among the most affordable in the greater Tampa Bay region — typically 5–10% below Hillsborough County. Florida Blue and Aetna are the primary carriers, and Pasco's growing suburban population creates a strong group market. For businesses in the fast-growing Wesley Chapel corridor, comparing plans at renewal is especially valuable as the market evolves.
Related resources:
Pasco County Group Plans FL Cost Per Employee Guide Hillsborough County Cost Guide| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $365–$470 | $237–$306 | $128–$165 |
| Silver HMO | $440–$560 | $286–$364 | $154–$196 |
| Gold HMO | $530–$670 | $345–$436 | $186–$235 |
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $6,864–$8,736/year |
| 5 employees | $17,160–$21,840/year |
| 10 employees | $34,320–$43,680/year |
| 20 employees | $68,640–$87,360/year |
Pasco County premiums are typically 5–10% lower than Hillsborough County on comparable plans — a meaningful savings for small businesses. A 10-person Pasco business paying Silver HMO at 65% contribution spends approximately $34,320–$43,680/year versus $36,120–$46,080 for a comparable Hillsborough business. For Wesley Chapel businesses that operate in both counties, county of business registration determines the rating area.
PPO plans are less commonly available in the Pasco County small group market compared to Tampa proper. Florida Blue is the primary carrier offering PPO options in Pasco. HMO plans from Florida Blue and Aetna are the standard offering. For businesses with employees who need out-of-network flexibility — particularly specialists in Tampa — a Florida Blue HMO with an extensive Tampa Bay network often achieves similar access to a PPO at lower cost.
At the carrier minimum contribution (50% of employee-only premium), Bronze HMO employer cost in Pasco County is approximately $183–$235 per employee per month. Most Pasco County employers contribute 60–65% to ensure adequate employee participation. The ACA affordability standard for 2026 requires the employee contribution not exceed 9.02% of household income for minimum essential coverage.
See exact 2026 premium costs for your Wesley Chapel or New Port Richey business — no cost, no obligation.
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