An opinion is a statement describing a personal belief or thought that cannot be tested (or has not been tested) and is unsupported by evidence.
A hypothesis is usually a prediction based on some observation or evidence. Hypotheses must be testable, and once tested, they can be supported by evidence. If a statement is made that cannot be tested and disproved, then it is not a hypothesis. Sometimes it is possible to restate an opinion so that it can become a hypothesis.
A scientific theory is a hypothesis that has been extensively tested, evaluated by the scientific community, and is strongly supported. Theories often describe a large set of observations, and provide a cohesive explanation for those observations.
An individual cannot come up with a theory. Theories require extensive testing and agreement within the scientific community.
Theories are not described as true or right, but as the best supported explanation of the world based on evidence.