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Florida · local Marketplace intelligence

2027 ACA Marketplace in Pinellas County

Use verified CMS county benchmarks to understand the local Marketplace before you compare your own coverage options. These measures provide context—not a personal quote.

120,128

2026 Marketplace plan selections reported by CMS.

90.2%

of selections received advance premium tax credits (APTC).

$820 → $173

Average monthly premium and average after APTC among the CMS county measures.

Local premium benchmark

How the CMS averages compare

These county averages describe 2026 Marketplace selections; they are not a personal quote.

Average premium$820
Average after APTC$173

$647 lower on average among the reported measures (79% difference).

What this means when comparing coverage

CMS reports 108,331 APTC recipients in the county, with average APTC of $718. These are county-level historical Marketplace measures, not a quote or guarantee of your eligibility, premium, savings, plan availability, or provider network.

Check ACA eligibility factors · Understand Marketplace savings · Florida ACA overview

Your next step

Turn the county benchmark into a personal coverage decision.

County averages cannot tell you what you qualify for. Check your household eligibility factors first, then review Marketplace savings and get personal help if you want someone to walk through the options with you.

Local evidence

What stands out in Pinellas County's 2026 ACA Marketplace data?

CMS reports 120,128 plan selections in Pinellas County. That ranks #10 of 67 Florida counties in this CoveragePath CMS dataset by Marketplace selections. This is enrollment context, not an estimate of how many county residents are eligible.

90.2% of reported selections received APTC. The average premium was $820 and the average after APTC was $173 — a $647 difference in these county-level CMS averages. These averages are not a personal quote or subsidy estimate.

For separate population context, the 2024 ACS uninsured estimate is 10.4%. ACS population insurance statistics and ACA Marketplace eligibility are different measures.

Local marketplace facts

What is available in Pinellas County?

Plan selections by age
Under 35: 34.4% · 35-54: 38.7% · 55-64: 25.2% · 65+: 1.7% Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)
Consumers eligible for cost-sharing reductions
47,749 of 120,128 (39.7%) Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)
New, returning and auto-renewed consumers
16.4% new to the Marketplace, 83.6% returning; 39,461 (32.8% of all) were automatically re-enrolled Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)
Plan selections by metal level
Bronze 44.6% · Silver 42.4% · Gold 12.7% · Platinum, catastrophic and other 0.3% (of 120,128 selections) Source: CMS 2026 Open Enrollment Period County-Level PUF (sha256 2857e5932d4d)

How Pinellas County compares with Florida

Pinellas County accounts for about 2.6% of the 2026 Marketplace selections in this Florida county dataset. These comparisons use the same sourced county inventory shown on this page.

The county average premium is +$14 versus the selection-weighted Florida county benchmark of $806.

The county average after APTC is +$67 versus the selection-weighted benchmark of $106.

The ACS county uninsured estimate is -1.1 points versus the population-weighted Florida county benchmark of 11.5%.

Method: premium benchmarks are weighted by Marketplace plan selections; the ACS uninsured benchmark is weighted by the ACS county population universe. Suppressed CMS values are not estimated.

Population coverage context

Health coverage context in Pinellas County

10.4%

ACS estimate for the uninsured share of the Census S2701 population universe.

948,700

People in the ACS health-insurance coverage population universe for this county.

The U.S. Census Bureau's 2024 ACS 5-Year estimate describes population health-insurance coverage in Pinellas County. It is useful local context, but it does not measure ACA Marketplace eligibility, enrollment, premiums, subsidies, or plan availability. The Marketplace figures above come separately from CMS.

Check the factors that affect ACA eligibility · Compare Florida Marketplace context

Population context source: U.S. Census Bureau, 2020-2024 ACS 5-Year Subject Table S2701 · County FIPS 12103

Source: Centers for Medicare & Medicaid Services, 2026 OEP County-Level Public Use File · Verified September 15, 2026 · County FIPS 12103