Plans Available in Palm Harbor
Marketplace health insurance in Palm Harbor is offered by: Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina, Oscar Health. The leading carrier in the Palm Harbor area is Florida Blue. Available plans and exact premiums depend on your ZIP code, age, and household income.
Hospitals and Health Systems in Palm Harbor
- BayCare Health System
- Morton Plant Hospital
Verify that your preferred hospital is in-network before selecting a plan. Use each carrier's online provider directory or call the plan's member services number.
ACA Subsidies and Medicaid
If your household income is between 100% and 400% of the Federal Poverty Level (approximately $15,650 to $62,600 per year for a single adult in 2026), you likely qualify for premium tax credits that reduce your monthly premium. Contact a broker to check Medicaid eligibility — coverage rules vary by household.
How to Enroll
Open Enrollment runs November 1 through January 15 each year. If you have a qualifying life event (job loss, move, marriage, new baby), you have a 60-day Special Enrollment Period. An independent, licensed broker can compare every plan available in your Palm Harbor ZIP code at no cost to you.
2026 Plan Data for Residents in Palm Harbor
Here is what is actually filed and for sale in Pinellas County for 2026.
- Palm Harbor 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 Palm Harbor residents: EPO, HMO, POS, PPO.
- One of the lower-cost Silver options is myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company) — $641/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.