📍 Serving: St. Augustine · St. Augustine Beach · Ponte Vedra · Palm Coast · Jacksonville
carrie@sunhealthgroups.com · kellie@sunhealthgroups.com 📞 (904) 640-9230
Local Health Insurance Agent

Health Insurance in St. Augustine, FL

Licensed agents Carrie Kasemeier and Kellie Clark help St. Augustine residents compare and enroll in ACA Marketplace, Medicare, and private health insurance plans. Local guidance you can trust.

St. Augustine, FL

Your Local Health Insurance Expert

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.

Plans Available in St. Augustine

ACA / Marketplace Plans

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.

Medicare Plans

Turning 65? We compare Medicare Advantage, Medigap, and Part D options from carriers serving St. Augustine.

Individual & Family Plans

PPO, HMO, and EPO options for individuals and families not covered through an employer.

Small Business Group Plans

Group health coverage for St. Augustine businesses with 2–50 employees.

Common Questions

Health Insurance FAQs for St. Augustine Residents

St. Augustine residents can choose from ACA Marketplace plans, Medicare Advantage and Supplement plans, individual and family PPO/HMO plans, and small business group plans. Carriers like Blue Cross Blue Shield of Florida, Ambetter, UnitedHealthcare, and Cigna serve the St. Johns County area. Contact us for a current plan comparison.
Costs vary based on age, income, plan type, and family size. Many St. Augustine residents qualify for ACA subsidies that reduce their premium significantly — sometimes to $0/month. Medicare Advantage plans often start at $0 premium as well. We'll give you an accurate quote based on your specific situation.
ACA Open Enrollment runs November 1 – January 15 in Florida. Outside of this window, you can enroll during a Special Enrollment Period if you've had a qualifying life event (job loss, marriage, birth, move, etc.). Medicare has its own enrollment windows. Call us to find out which window applies to you.
You don't need one — but having a local licensed broker costs you nothing and can save you significant money and time. We have access to all the plans available on and off the Marketplace, and we can help you avoid common mistakes like choosing the wrong network or missing a subsidy you qualify for.
Flagler Hospital (now part of HCA Healthcare) is in-network with many local plans, but this varies by carrier and plan tier. We always verify your preferred doctors and hospitals are in-network before recommending a plan. Tell us which providers matter most to you and we'll factor that in.

Talk to a St. Augustine Health Insurance Agent Today

Free, no-obligation consultation with Carrie Kasemeier.