At 13.1%, the uninsured rate among under-65 residents in Hillsborough County is effectively the Florida average of 13.7% — about 171,922 people out of 1,308,341. It is the 24th lowest of the 67 counties in Florida. A county sitting on its state's average is the most ordinary case there is, which makes the state's own rules the thing worth reading rather than anything local.
Hillsborough County against Florida, and against the counties we cover
| Hillsborough County | Florida | Covered counties | |
|---|---|---|---|
| Uninsured, under 65 | 13.1% | 13.7% | 13.0% |
| Marketplace enrollees per 1,000 | 199 | — | 127 |
| Insurers selling here | 9 | 7 (median) | 5 |
| Individual plans offered | 173 | — | 84 |
State uninsured rate from the Census SAHIE series; the final column is the median across the 104 counties covered on this site. Enrollment density is CMS plan selections per 1,000 under-65 residents.
What you can actually buy here
9 insurers sell into Hillsborough County. This is a crowded market by national standards. Crowded markets are cheaper on average and much harder to shop, because the plan names stop meaning anything by the third carrier and the differences that matter get buried in documents nobody opens. Between them they offer 173 plans, about 19 for each insurer. A list that long is not more choice in any useful sense — it is the same handful of networks sliced into metal levels and deductible variants. The count is unchanged from last year, so the networks you compared previously still stand.
260,235 marketplace plan selections were recorded in Hillsborough County for 2026, or 199 per thousand under-65 residents — above the 127 typical of the counties covered here. Enough people locally have done this that the process is not unfamiliar territory. 39,390 of them were new consumers and 220,845 were renewals — a 15% new share, close to the national pattern. Roughly one in six enrollees here arrived within the year.
Nearest counties on coverage
The counties we cover in Florida whose uninsured rate sits closest to Hillsborough County. Worth a look if you are comparing across a county line or moving.
| County | Uninsured | Insurers | Enrollees |
|---|---|---|---|
| Sarasota County | 13.1% | 5 | 67,180 |
| Okaloosa County | 13.0% | 4 | 22,859 |
| Volusia County | 13.0% | 8 | 82,362 |
| Hernando County | 13.3% | 4 | 26,556 |
| Orange County | 13.5% | 12 | 399,974 |
| Lake County | 12.6% | 11 | 66,725 |
Everything that applies in Florida · How COBRA works · Work out your COBRA premium · After a job ends
Common questions
How many people are uninsured in Hillsborough County?
About 171,922 people under 65, out of 1,308,341 in that age group — 13.1%, the 24th lowest of the 67 counties in Florida. The Florida average is 13.7%. Census Bureau estimates for 2024, the most recent published.
How many health insurers sell in Hillsborough County?
9 insurers offer individual marketplace plans in Hillsborough County for 2026, unchanged from the year before, and between them they sell 173 individual medical plans. The median across the counties covered on this site is 5 insurers and 84 plans.
How many people in Hillsborough County buy marketplace coverage?
260,235 plan selections for 2026 — 39,390 new consumers and 220,845 renewals. That works out at 199 per thousand under-65 residents, against a median of 127 across the counties covered here. New consumers are the group most likely to have lost a job during the year.
Talk it through with a licensed agent
Which option is right depends on your state, your income and which doctors you need to keep. A licensed agent can walk through it with you in about eight minutes.
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Sources
- U.S. Census Bureau, Small Area Health Insurance Estimates, 2024 (released August 2026)
- Centers for Medicare & Medicaid Services, 2026 Marketplace Open Enrollment County-Level Public Use File
- Centers for Medicare & Medicaid Services, 2026 Service Area Public Use File
- Centers for Medicare & Medicaid Services, 2026 Plan Attributes Public Use File
- U.S. Department of Labor, FAQs on COBRA Continuation Health Coverage for Workers