📖
ACA Plans
What Is the ACA Subsidy and Do You Qualify?
Millions of Floridians are leaving free money on the table. Learn how income-based subsidies can dramatically lower your premium.
Licensed agent Carrie Kasemeier helps St. Augustine families and businesses find affordable ACA, Medicare, and group health plans — without the confusion.
Takes less than 2 minutes. No obligation.
Whether you're self-employed, a growing family, or approaching Medicare age, we have a plan that fits your needs and budget.
Affordable Care Act plans for individuals and families. You may qualify for significant subsidies that lower your monthly premium.
Learn more →Medicare Advantage, Supplement (Medigap), and Part D drug plans. We compare options from top carriers to maximize your benefits.
Learn more →Coverage for every life event — new baby, new job, or change in income. PPO, HMO, and EPO plan comparisons available.
Get a quote →Attract and retain top talent with group health benefits. We help St. Augustine businesses find cost-effective group plans.
Learn more →When you call us, you talk to Carrie — not a 1-800 number routed overseas.
Carrie takes the time to understand your situation, budget, and healthcare needs before recommending a plan.
Our service is completely free. Insurers pay us — you get expert advice at zero cost to you.
We're independent, so we compare plans from multiple top insurance carriers to find you the best value.
We live and work in St. Augustine. We know Florida's insurance market, local providers, and hospital networks.
Fill out the short form or give us a call — takes under 2 minutes.
Carrie reviews your situation and presents your best options.
No pressure. Pick the plan that fits your life and budget.
We handle the paperwork. You get ongoing support year-round.
"Carrie saved us over $400 a month on our family plan. She explained everything clearly and never made us feel rushed. Highly recommend!"
"I was so confused about Medicare options. Carrie walked me through every plan patiently and helped me find one that covers my doctors and prescriptions."
"As a small business owner, I needed group coverage for my team. Carrie found us a great plan that fits our budget and keeps my employees happy."
Local health insurance guidance for families and businesses across St. Johns, Flagler, and Duval counties.
Free consultation with Carrie — no sales pressure, no obligation.
Free guides to help you understand your health insurance options.
Millions of Floridians are leaving free money on the table. Learn how income-based subsidies can dramatically lower your premium.
Original Medicare and Medicare Advantage plans are very different. Here's how to compare them before you decide.
Many Florida business owners don't know about the Small Business Health Care Tax Credit. Here's what you need to know.
Licensed agent Carrie Kasemeier helps St. Augustine residents compare and enroll in ACA Marketplace, Medicare, and private health insurance plans. Local guidance you can trust.
Finding affordable health insurance in St. Augustine can feel overwhelming — especially with so many plan types, carrier options, and enrollment deadlines. That's where we come in.
Sun Health Groups serves families and businesses throughout St. Johns County and the surrounding NE Florida area. We understand local healthcare providers, hospital networks like Flagler Hospital, and the specific plan options available in your area.
Whether you're newly self-employed, recently lost employer coverage, turning 65, or running a small business in St. Augustine, we'll find a plan that works for your life and your budget.
Income-based subsidies may make your plan $0/month. Open Enrollment runs Nov–Jan, but Special Enrollment is available if you've had a life event.
Turning 65? We compare Medicare Advantage, Medigap, and Part D options from carriers serving St. Augustine.
PPO, HMO, and EPO options for individuals and families not covered through an employer.
Group health coverage for St. Augustine businesses with 2–50 employees.
Free, no-obligation consultation with Carrie Kasemeier.
Many St. Augustine families qualify for subsidies that dramatically lower — or even eliminate — their monthly health insurance premium. Let us show you what you qualify for.
The Affordable Care Act created a health insurance marketplace where you can compare and purchase plans — often with significant government subsidies.
Lowest monthly premium. Higher deductibles. Best if you're healthy and rarely need care.
Most popular. Moderate premium and deductible. Required to use Cost-Sharing Reductions (CSR) subsidies.
Higher premium, lower deductible. Good if you regularly use medical care or take prescriptions.
Highest premium, lowest out-of-pocket costs. Best for those with significant, predictable healthcare needs.
Premium Tax Credits (PTCs) are available to households earning between 100%–400% of the Federal Poverty Level — and sometimes more.
| Household Size | Income Range for Subsidies (2024) | May Qualify for $0/mo Plan |
|---|---|---|
| 1 person | $14,580 – $58,320 / year | ✓ Often Yes |
| 2 people | $19,720 – $78,880 / year | ✓ Often Yes |
| 3 people | $24,860 – $99,440 / year | ✓ Often Yes |
| 4 people | $30,000 – $120,000 / year | ✓ Often Yes |
* Income ranges are approximate and change annually. Call Carrie for an exact quote based on your household income.
Free quote — takes 2 minutes. No obligation.
Turning 65 or approaching Medicare eligibility? Carrie helps you understand your Medicare options and choose a plan that covers your doctors, medications, and budget.
Medicare has multiple parts and plan types. Here's a clear breakdown of what each covers.
Hospital insurance. Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people get Part A at no premium.
Medical insurance. Covers doctor visits, outpatient care, medical equipment, and preventive services. Standard premium is $174.70/month (2024).
Private plans that bundle Parts A, B, and often D. Many offer $0 premium and additional benefits like dental, vision, and hearing. Often the best value.
Prescription drug coverage. Added to Original Medicare or included in Medicare Advantage. Costs vary by plan and medications.
Fills gaps in Original Medicare — covers deductibles, copays, and coinsurance. Works alongside Part A & B. Standardized plans labeled A–N.
Carrie will compare all Medicare options in your area and help you choose with confidence.
Offering health benefits doesn't have to break your budget. We help St. Augustine small businesses find group plans that attract great employees and make financial sense.
73% of job seekers say health benefits are their top consideration. Health coverage helps you compete with larger employers.
Premiums you pay are generally 100% tax-deductible as a business expense. Employees pay their share pre-tax too.
Employees with health benefits are significantly less likely to leave. Reducing turnover saves you thousands per position.
Qualifying small businesses (under 25 FTE) may receive up to 50% of premiums as a federal tax credit via SHOP plans.
Free analysis of your options — no obligation to enroll.
Licensed health insurance agent serving St. Augustine and Northeast Florida with honest, personalized guidance.
Carrie Kasemeier founded Sun Health Groups with a simple mission: help Northeast Florida families and businesses navigate the confusing world of health insurance with clarity and confidence.
As an independent broker, Carrie isn't tied to any one insurance company. That means she can shop across multiple carriers to find you the best plan — not just the one that pays the biggest commission.
Whether you're a family looking for ACA coverage, a business owner ready to offer employee benefits, or someone approaching Medicare for the first time, Carrie brings patience, expertise, and a genuine commitment to your wellbeing.
Primary service area, with deep knowledge of local providers and plan availability.
Coverage guidance for beach-area residents and seasonal workers.
Serving Flagler and St. Johns County families and businesses.
Duval County individuals and employers looking for independent guidance.
No sales pressure. No obligation. Just honest guidance from a local agent who knows Florida's health insurance market.
Fill out the form or call/email directly. Carrie typically responds within one business day — often same day.
Carrie personally responds to every quote request, usually within a few hours on business days. Your information is never shared or sold.
🎉 Thanks! We received your request.
Carrie will be in touch within one business day to discuss your options. You can also call (904) 640-9230 for a faster response.