Health insurance & Medicare · Tampa, FL (Hillsborough County)
Individual & Family Health Insurance in Tampa, Florida
16.4% of Tampa adults aged 19 to 64 have no health insurance, well above the U.S. rate of 11.1%. Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps Tampa, FL households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in Tampa
Tampa's uninsured rate for working-age adults (16.4%) is above the U.S. average. If you have been without coverage, Open Enrollment (November 1 to January 15) is the time to enroll; outside it you need a qualifying life event.
11.2% of Tampa workers are self-employed. Self-employed people buy their own coverage, and Marketplace tax credits are based on your expected net self-employment income, so a careful estimate matters.
Tampa by the numbers
- 16.4% of Tampa adults aged 19 to 64 have no health insurance, well above the U.S. rate of 11.1%.
- 11.2% of Tampa workers are self-employed, above the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- 27.4% of Tampa households include children under 18, below the U.S. figure of 29.8%.
- About 46,600 Tampa residents are between 55 and 64, the group that will reach Medicare age over the next ten years.
Tampa and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| Tampa | 16.4% | 11.2% | $74,645 |
| Houston | 28.9% | 11.8% | $62,894 |
| San Antonio | 23.6% | 8.8% | $62,322 |
| Dallas | 29.4% | 11.5% | $67,760 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in Florida
- Florida residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Tampa
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in Tampa?
No. Olive works with Tampa and Hillsborough County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.