Plans Available in Palm Harbor
Marketplace health insurance in Palm Harbor is offered by: Ambetter Health, AvMed, Florida Blue, Molina Healthcare, Oscar and Wellpoint. 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
Medicare’s hospital directory lists no acute-care hospital in Palm Harbor itself; these are the ones it lists in Pinellas County:
- AdventHealth North Pinellas
- HCA Florida Largo Hospital
- HCA Florida Northside Hospital
- HCA Florida Pasadena Hospital A Part of HCA Florid
- HCA Florida St. Petersburg Hospital
- Mease Countryside Hospital
- Mease Dunedin Hospital
- Morton Plant Hospital
- Orlando Health Bayfront Hospital
- St. Anthonys Hospital
Which plans include each hospital varies by plan and year, not just by insurer. Before you enroll, confirm that your doctors and preferred hospital are in-network for the specific plan ID you choose. We do this check for every client at no charge.
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.