Health Insurance in Clearwater, FL

Health Insurance in Clearwater, FL

Residents of Clearwater can compare marketplace health plans from Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina Healthcare, Oscar Health. The leading carrier in Clearwater is Florida Blue. Clearwater is in the Tampa Bay area and served primarily by BayCare Health System, the dominant Tampa Bay hospital network. Florida Blue is the most widely accepted carrier across BayCare facilities.

2026 Plan Data for Residents in Clearwater

Here is what is actually filed and for sale in Pinellas County for 2026.

• Clearwater sits in Pinellas County, where 7 carrier(s) have filed 149 plans for 2026: Ambetter Health, AvMed, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, and others.
• Plan types available to Clearwater residents: EPO, HMO, POS, PPO.
• One of the lower-cost Silver options is myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company) — $645/month at age 40 with a $9,500 deductible and No Charge primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Local Hospitals in Clearwater, FL

• Morton Plant Hospital (BayCare)
• Mease Dunedin Hospital (BayCare)
• BayCare Alliant Hospital (Clearwater)

Verify your preferred hospital is in-network on any plan before enrolling. Contact the insurer's provider directory for confirmation.

Urgent Care Centers in Clearwater

• BayCare Urgent Care Clearwater
• CareSpot Urgent Care Clearwater
• FastTrack Urgent Care

ACA Subsidies for Clearwater Residents

At 345% of the Federal Poverty Level, residents earning around the Clearwater median income of $54,000 qualify for ACA premium tax credits on the marketplace. Under current subsidy rules, the most a single adult at this income pays for a benchmark Silver plan is $382 per month, and most enrollees pay less after plan-level cost-sharing reductions.

Clearwater residents enroll through healthcare.gov, the federal marketplace. Open Enrollment runs November 1 through January 15 each year. Special Enrollment Periods are available within 60 days of losing other coverage, marriage, birth of a child, or a move. A licensed broker can confirm your exact subsidy amount based on your income and household size before you enroll.

Clearwater Health Insurance Market Profile

• Population: 115K
• County: Pinellas County
• Median Household Income: $54,000 (~345% of the 2026 FPL)
• Marketplace: healthcare.gov