The honest answer is that it depends on the individual plan rather than the carrier, and it can change during the year. Here is what is actually knowable, and how to settle it for your own plan in about ten minutes.
Free hospital check
Is BayCare in the plan you’re looking at? I’ll check for you.
Enter your ZIP code. I’ll check BayCare, and any doctors you name, against every 2026 marketplace plan filed in your county, then send you the plans that include them and the date I checked. It costs nothing, and I only call if you ask me to.
- Your ZIP code
- Who to check — BayCare is filled in
- My answer, usually the same day
Open Enrollment for 2027 opens November 1. Cigna is leaving Florida’s marketplace for 2027. If your plan is from Cigna, it ends December 31, and the plan that replaces it may not include BayCare. I’ll check the 2027 plans for you before you choose.
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“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
Where BayCare operates
BayCare serves Tampa Bay, Florida. These are the carriers filing marketplace plans in those markets for 2026, taken from the CMS landscape file:
| Market | Carriers filing | Counties with a PPO |
|---|---|---|
| Tampa Bay | 8 | 3 of 3 |
What is actually filed near BayCare
Plan supply and price vary county by county, and that variation is exactly what a price-sorted plan list hides:
| County | Market | Plans filed | PPO | Benchmark Silver, age 40 | Family of 4, per month |
|---|---|---|---|---|---|
| Hillsborough County | Tampa Bay | 173 | Yes | $648.49 | $2,073 |
There are PPO plans on the marketplace in this area, which usually means broader hospital access. That does not make a PPO automatically right — it is normally the most expensive route, and BayCare participation still varies plan by plan.
Want cheaper coverage? Want better coverage? Not happy with what you have now? Same next step for all three — tell me your ZIP and the doctors you need covered, and I will check BayCare against every plan filed in your county.
PY2026 CMS filed data. Benchmark Silver is for a 40-year-old; the family figure is a four-person household before any premium tax credit. Your own premium depends on age, household, tobacco use and the credit you qualify for. Verify at enrollment.
How many providers each insurer lists near BayCare
Every insurer selling marketplace plans has to publish its provider directory as a data file. I counted the doctors, clinics and hospitals each one lists at an address in each county below, across the 2026 plans it filed there. A dash means the insurer does not sell in that county.
| Insurer | Hillsborough County |
|---|---|
| Florida Blue (BlueCross BlueShield FL) | 12,352 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | 12,116 |
| Oscar Health Maintenance Organization of Florida | 12,087 |
| Ambetter Health | 8,162 |
| UnitedHealthcare | 7,375 |
| Wellpoint | 4,646 |
| AvMed | 3,783 |
| Molina Healthcare | not counted |
Molina Healthcare: its directory file blocks automated downloads.
From each insurer’s own CMS machine-readable provider directory, downloaded September 25, 2026. A bigger number is not a promise about BayCare. These files are self-reported, they go stale, and one insurer’s plans do not all use the same network — which is why I check the exact plan against BayCare by hand above.
Self-employed and need BayCare covered?
Yes, but the buying problem is different. A self-employed or 1099 household has no employer plan to fall back on and no HR department to check the network, so confirming that BayCare is in the specific plan you buy is entirely on you. You are buying in the individual market rather than picking from a shortlist an employer already vetted. Network breadth varies sharply between plans sold by the same insurer in the same county, and BayCare can be inside one and outside another.
The numbers above the table are what that looks like here. Benchmark Silver for a 40-year-old in Hillsborough County runs $648 a month, and a four-person household $2,073 — about $24,880 a year with no credit against it.
The second problem is that your income is a guess. Premium tax credits are calculated on what you project to earn next year — a number a 1099 earner, contractor or commission-paid household genuinely does not know in November. Above 400% of the federal poverty level there is no cap on repaying an advance credit, so a strong December can cost more than it earned. If your income moves, update the estimate on your exchange during the year rather than setting it once.
The mechanics of both — how the credit reconciles, and how to claim the self-employed premium deduction so an S-corp does not lose it — are the same wherever you live, so they live in one place rather than being repeated here: the self-employed premium deduction and subsidy reconciliation →
Two things decide your year here: whether BayCare is in the network of the specific plan you buy, and whether your income estimate holds. Getting the first wrong costs you access to the hospital; getting the second wrong costs you a bill in April.
Want cheaper coverage? Want better coverage? Not happy with what you have now? Same next step for all three — send me your ZIP and the doctors you need covered, and I will check BayCare against every plan filed in your county.
Why nobody can give you a straight list
A carrier is not a network. The same insurer sells a broad-network plan and a narrow one side by side in the same county, and BayCare can be contracted with one and not the other. A page telling you “BayCare accepts Carrier X” is describing one plan on one date, and usually states neither.
Contracts are renegotiated mid-year too. A system and an insurer can part company in March, and patients usually find out from a letter afterwards. That is why the only answer worth having is one dated to when it was checked.
How to settle it for your plan
- Get the exact plan name and network name from your marketplace listing, not just the carrier.
- Search that network in the carrier’s own provider directory, set to the correct plan year.
- Call BayCare billing and read them the plan name. They will tell you whether they are contracted. This is the step that actually decides it.
- Check your individual physicians separately — anaesthesia, radiology and pathology are frequently contracted apart from the hospital.
- Note the date and who confirmed it.
More in Florida
Hospital systems
AdventHealth · Ascension St. Vincent's · Baptist Health · Baptist Health South Florida · Cleveland Clinic Florida · Jackson Health · Orlando Health · Tampa General · UF Health
Metro markets
Jacksonville · Miami · Orlando