The marketplace, also known as a health insurance exchange, allows individuals and families to shop for health insurance. Established by the federal government, it mandates that listed health plans provide comprehensive benefits.
In 2019, the government introduced ICHRA (Individual Health Reimbursement Arrangement), a unique way for small businesses to offer health benefits. Through ICHRA, business owners can give pre-tax money to employees for purchasing their own health plans from the marketplace. More employees than ever before are shopping the marketplace. Let's explore the options.
Healthcare is local, and your options depend on the county you live in. If you're in Tampa, Florida, you’re in luck—there are plenty of health insurance choices to explore. Here are a few of our top picks, based on affordability and network coverage.
Best if you must have Tampa General in network
myBlue Bronze 2219 ($0 Virtual PCP Visits / Rewards) - HMO
Best if you prefer a cost-effective plan with a very low deductible
Ambetter Everyday Gold - HMO
Best if you're looking for a $0 deductible plan that includes St. Joseph's in network
Ambetter Elite Bronze
If cost is a priority, we’ve got you covered. These are some of the cheapest health plans (that are still pretty good) in Tampa, Florida.
*Based on 30-year-old male
Some health plans offer better mental health coverage than others. (And yep, sadly, some don’t cover it at all.) If mental health support matters to you, check out these health insurance plans.
Note: If you have a particular therapist you love (and we hope you do), we recommend double checking with them that they accept these plans before purchasing one.
Note: If you have a particular therapist you love (and we hope you do), we recommend double checking with them that they accept these plans before purchasing one.
if you enjoy earning credit card reward points while covering your health insurance premiums, you're in luck! Here are some health insurance carriers in Tampa, Florida that accept credit card payments:
Some health insurance plans come with extra perks beyond the usual coverage. Here are a few examples.
Free telemedicine and mobile app
Free Minute Clinic visits
$3 prescription medicine program
Up to $100 yearly allowance to use on over-the-counter health items at CVS
Shopping on the marketplace gives you plenty of options to choose from. In Tampa, there are over 160 plans available from ten different health insurance carriers.
Health insurance has a lot of terms and jargon that are important to know. Here’s some of the main ones you’ll come across. You can find more here.
Seeing out-of-network doctors or taking medicines that aren’t covered by your health plan can become quite costly. If you have complicated health needs or take specialty medicines, you should consult a broker to make sure your doctors and prescriptions are covered.
Health insurance is complicated and costly, especially for small businesses. High participation rates and contribution requirements make it out of reach for many. Not to mention, traditional group health insurance plans often require 60+ hours of administrative work. That’s where ICHRA comes in. Small business owners finally can control their benefits budget and setup takes just ten minutes. Learn more.
