Clearwater-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Pinellas County, FL has about 962,003 residents per the 2024 ACS 5-year estimates (25% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana Gold Plus H1036, UnitedHealthcare Group Medicare Advantage, Aetna Medicare Eagle. We compare options at no cost to you.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
Pinellas County has about 962,003 residents, 25% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana Gold Plus H1036, UnitedHealthcare Group Medicare Advantage, Aetna Medicare Eagle — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana Gold Plus H1036 against every other carrier serving Pinellas County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Pinellas County different: FL's second-oldest large county. 25% age 65+. Strong Medigap demand from snowbird population.
Humana Gold Plus H1036 (HMO)
4-star CMS rating
UnitedHealthcare Group Medicare Advantage (PPO)
4-star CMS rating
Aetna Medicare Eagle (PPO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each ACA Health Insurance plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Pinellas County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Pinellas County plans that fit your situation.
Pinellas County has about 962,003 residents per the 2024 ACS 5-year estimates; 25% are age 65 or older.
The largest carriers in Pinellas County are Humana Gold Plus H1036 (HMO), UnitedHealthcare Group Medicare Advantage (PPO), Aetna Medicare Eagle (PPO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Pinellas (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include BayCare Health System–Morton Plant Hospital, St. Anthony's Hospital, Bayfront Health St. Petersburg.
With 25% of residents aged 65+, many seniors need Medicare options. Our local Humana Gold Plus H1036 plan is popular here, offering comprehensive coverage.
You can enroll during the Annual Enrollment Period (AEP) from Oct 15 to Dec 7. Special enrollment periods are also available if you have a life event.
Accessibility
Text size
