Health Insurance in St. Petersburg, Florida
Comparing 2026 plans in Pinellas County? Here's what St. Petersburg residents need to know — and how to find your lowest-cost option.
Reviewed by Your Name · Licensed Florida Health Insurance Agent
Updated June 2026. Written and reviewed by a licensed agent at United Liberty Insurance Agency LLC to ensure accuracy. We cite official sources (HealthCare.gov, CMS, KFF) wherever possible.
The St. Petersburg market at a glance
Pinellas County pairs a strong marketplace with a large Medicare-age population, so both ACA and Medicare Advantage options are plentiful here.
Your coverage options in St. Petersburg
- ACA marketplace plans — for most residents under 65; subsidies may apply. See 2026 changes →
- Medicare Advantage — for residents 65+ or on disability. Compare FL Medicare plans →
- Private / self-employed plans — for 1099 workers and business owners.
How much does health insurance cost in St. Petersburg?
Premiums in Pinellas County depend on your age, income, household size, and the plan you choose. With the 2026 subsidy changes, the plan you pick matters more than ever — the difference between the right and wrong Silver plan can be hundreds of dollars a month. Estimate your subsidy →