Health Insurance in Tampa: Complete Guide (2025)

Tampa residents can choose from ACA marketplace, Medicare, Medicaid, and private plans. Below are the costs, providers, and deadlines that matter most.

Health Insurance Options in Tampa

Common coverage paths include:

• ACA Plans via HealthCare.gov
• Employer Coverage
• Medicare (Original & Advantage)
• Medicaid & CHIP
• Short-Term & Private Plans

Average Costs in Tampa

• Individual (age 40): ~$470/month before subsidies
• Family of 4 (Silver): ~$1,420/month before subsidies

Premium subsidies frequently reduce costs by 60%+ for eligible households.

Note: Hillsborough County has strong ACA participation, reflecting demand for affordable coverage (CMS data).

Providers & Major Hospitals

Common Insurers:

• Florida Blue
• Ambetter from Sunshine Health
• Cigna
• Aetna CVS Health

Major Hospital Systems:

• Tampa General Hospital
• Moffitt Cancer Center
• BayCare Health

Enrollment Deadlines

• Open Enrollment: November 1 – January 15
• Medicare AEP: October 15 – December 7
• Special Enrollment Period (SEP): Available only after qualifying life events

Case Study: Tampa Retiree

• Age: 67
• Plan: Medicare Advantage + Part D
• Result: ~45% reduction in annual prescription out-of-pocket costs after switching during AEP

Tampa Health Insurance FAQs

Which Tampa hospitals accept Medicare Advantage?

Most major systems accept multiple MA plans — verify with the plan’s provider directories.

Are telehealth services included?

Yes, many ACA and Medicare Advantage plans in 2025 include telehealth services.

Do subsidies apply in Tampa?

Yes — eligibility is based on household income and size, not the city you live in.