Pinellas County — home to St. Petersburg, Clearwater, Largo, Dunedin, and dozens of beach communities — is one of Florida's most densely populated counties and has a strong small business economy built around technology, healthcare, professional services, marine, hospitality, and creative industries. The St. Petersburg tech and creative sector has grown significantly in recent years. Florida Blue and Aetna dominate the Pinellas County small group market. BayCare Health System (Bayfront Health St. Petersburg, St. Anthony's, Morton Plant Clearwater) is the primary hospital network; HCA Florida Northside Hospital serves northeast Pinellas.
| Plan Tier | Total Premium/Employee/Month | Employer Share (65%) |
|---|---|---|
| Bronze HMO | $375–$485 | $244–$315 |
| Silver HMO | $450–$575 | $293–$374 |
| Gold HMO | $540–$685 | $351–$445 |
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