Pinellas County (St. Petersburg, Clearwater) small group health insurance costs in 2026 range from approximately $375–$485 per employee per month for Bronze HMO to $540–$685 for Gold HMO. Pinellas County rates are very similar to Hillsborough County (Tampa), typically within 3–5% on comparable plans. Florida Blue and Aetna are the primary carriers, with BayCare Health System's comprehensive hospital network providing strong in-network coverage across both St. Pete and Clearwater. Pinellas is a mature, competitive small group market.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $375–$485 | $244–$315 | $131–$170 |
| Silver HMO | $450–$575 | $293–$374 | $158–$201 |
| Gold HMO | $540–$685 | $351–$445 | $189–$240 |
Shopping group health for your team
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $7,032–$8,976/year |
| 5 employees | $17,580–$22,440/year |
| 10 employees | $35,160–$44,880/year |
| 20 employees | $70,320–$89,760/year |
Compare all St. Pete and Clearwater area carriers — see exact costs for your business.
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