Pinellas County Medical Plans Comparison & Cost

2026 and 2027

There are no changes in 2027 except the High Deductible Health Plan with HSA has increased deductibles and contribution limits. For details on the plan options, see Medical Coverage.

Item High Deductible Health Plan (HDHP) with HSA Preferred Provider Organization (PPO)
Coverage Employee Only Family Employee Only Family
In-Network Annual Deductible $1,700 (2026)
$1,750 (2027) 		$3,400 (2026)
$3,500 (2027)
pooled deductible for all family members on the plan 		$600 $1,200
(two individual deductibles of $600 each)
Out-of-Network Annual Deductible $3,400 $6,800
pooled deductible for all family members on the plan 		$1,200 $2,400
County HSA Contribution (must have HSA Bank account) $500 $1,200 N/A N/A
In-Network Out-of-Pocket Maximum (includes medical and Rx; after you spend this amount, the health plan pays 100%) $3,400 $6,800 $2,600 $5,200
Out-of-Network Out-of-Pocket Maximum (includes medical and Rx; after you spend this amount, the health plan pays 100%) $6,800 $13,600 $5,200 $10,400
In-Network Benefit* High Deductible Health Plan (HDHP) with HSA Preferred Provider Organization (PPO)
Preventive Medical (in-person, virtual, or Teladoc Primary360) $0 $0
Primary Care Physician (in-person, virtual, or Teladoc Primary360) 20% after deductible $25 copay
Specialist 20% after deductible $35 copay
Behavioral Health 20% after deductible $25 copay
Teladoc Virtual Care (illness and behavioral health) $40 - $70 (costs may vary) $15 copay
Convenience Care Clinics/Urgent Care 20% after deductible $25 copay
Emergency Room 20% after deductible $250 copay
Non-Preventive Medical (labs and imaging) 20% after deductible 20% after deductible
Preventive Rx $0
(See preventive medications list) 		$15 copay for generic or coinsurance for preferred or non-preferred (see below)
Rx Generic, Tier 1 (up to 30 days) 20% after deductible $15 copay
Rx Preferred Brand, Tier 2 (up to 30 days) 20% after deductible 20% coinsurance
min: $30, max: $60
Rx Non-Preferred Brand, Tier 3 (up to 30 days) 20% after deductible 40% coinsurance
min: $45, max: $90
Rx Specialty Drugs, Tier 4 (up to 30 days) 20% after deductible 20% coinsurance
min: $60, max: $120
Rx (up to 90 days), use Smart90 Program at Walgreens or home delivery, Non-Specialty Brand 20% after deductible 2x cost of 30-day
Rx (up to 90 days), use Smart90 Program at Walgreens or home delivery, Specialty Brand 20% after deductible Cost of 30-day supply
Rx (up to 90 days), your cost with another pharmacy 20% after deductible Full retail cost
*For out-of-network copay and coinsurance amounts, see the Summary of Benefits and Coverage for the HDHP and PPO plans.
Coverage Biweekly Premiums (same for both plans)
Employee only $ 13.09
Employee and Spouse/Domestic Partner $151.16
Employee and Child(ren) $120.60
Family $247.67

10/22/26