Health Insurance Brokers in Tampa, FL

Before subsidies, the benchmark silver plan for a 40-year-old in Hillsborough County cost about $648 a month for 2026, and the Florida average for 2027 is $738 a month. Premium tax credits bring that down for many households, depending on income and family size. 8 insurers offered marketplace plans in Hillsborough County for 2026.

A health insurance broker in Tampa works for you, not for one insurance company. Brokers are licensed in Florida to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 12 brokerages near Tampa, sorted by distance.

Health Insurance Brokers near Tampa

Local health care in Tampa

• Networks worth checking before you pick a plan in Tampa are Tampa General Hospital, BayCare (which runs St. Joseph's Hospital) and AdventHealth (AdventHealth Tampa and AdventHealth Carrollwood). Source
• St. Joseph's Hospital in Tampa is part of the BayCare health system. Source
• AdventHealth Tampa, formerly Florida Hospital Tampa, is AdventHealth's main hospital in the city. Source
• Public health in Tampa is handled by the Florida Department of Health in Hillsborough County, which offers clinical, nutrition and infectious disease services. Source

Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.

Do brokers cost more?

No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.

What a broker can compare for you

Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.

Broker or agent: what's the difference?

A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Florida.

Carriers a Tampa broker can quote

For 2027, marketplace plans in Florida come from 10 insurers: Florida Blue (BCBS of Florida / Health Options), AmeriHealth Caritas, AvMed, Capital Health Plan, Ambetter (Centene Venture; Sunshine State members transition in), Florida Health Care Plans, Health First, Oscar Health, UnitedHealthcare and Wellpoint (Simply Healthcare). Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.

A quick checklist

1. Check that the agent's license is active with the state regulator.
2. Write down the enrollment deadline and confirm your first premium payment.
3. Compare total yearly cost (premiums plus deductible), not just the monthly premium.
4. Have a realistic estimate of next year's household income; subsidies are based on it.

Checking an agent's license in Florida

• Florida's Department of Financial Services runs a free online Licensee Search. It shows an agent's contact details, valid licenses, active appointments and the insurers the agent can write with. Source
• The Florida Department of Financial Services is the state agency that licenses insurance agents, including health agents, in Florida. Source

Frequently asked questions

Brokers in nearby cities

• Egypt Lake-Leto, FL 4 miles
• East Lake-Orient Park, FL 5 miles
• Temple Terrace, FL 5 miles
• University, FL 6 miles
• Carrollwood, FL 6 miles
• Palm River-Clair Mel, FL 6 miles
• Lake Magdalene, FL 7 miles
• Town 'n' Country, FL 8 miles
• Mango, FL 8 miles
• Citrus Park, FL 9 miles

More for Tampa

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