Insurance in St. Augustine & St. Johns County
Serving St. Augustine, Ponte Vedra, Nocatee and World Golf Village — Medicare, Marketplace health, annuities and life insurance for one of Florida’s fastest-growing counties.
Health coverage here, in real figures
Sources: HealthCare.gov Marketplace API (2026 plan year, St. Johns County FIPS 12109); U.S. Census Bureau (ACS). Subsidy is an estimate for one 45-year-old at ~$40,000/yr income; your amount depends on your household, income and ZIP.
St. Johns County — St. Augustine, Ponte Vedra Beach, Nocatee and World Golf Village — is one of the fastest-growing and most retiree-heavy counties in Florida, with roughly 21% of residents aged 65 or older (U.S. Census Bureau). That makes Medicare, annuities and retirement-income planning especially important here.
For 2026, St. Johns residents can choose from 143 Marketplace plans, including a 4-star Florida Health Care Plans Bronze plan that can land near $41/month after subsidies for a sample 45-year-old (HealthCare.gov). We help you weigh premium, network and drug coverage — not just the sticker price.
Coverage we offer locally
Medicare →
Advantage, Medigap & Part D.
ACA / Marketplace →
Individual & family plans, subsidies.
Life Insurance →
Term & whole life, sized to you.
Final Expense →
Cover end-of-life costs.
Supplemental →
Dental, vision, hospital, disability & LTC.
Indexed UL →
Protection + tax-advantaged cash value.
Annuities →
Guaranteed income you can’t outlive.
Business & Notary →
Group benefits, P&C & notary.
Medicare Advantage →
Part C — all-in-one plans.
Medicare Supplement (Medigap) →
Fill Original Medicare gaps.
Short-Term & Off-Market Medical →
Coverage between plans.
Dental & Vision →
Standalone dental, vision & hearing.
Critical Illness & Cancer →
Lump-sum cash on diagnosis.
Disability Income →
Protect your paycheck.
Accident Insurance →
Cash for the unexpected.
Long-Term Care →
Plan for future care needs.
Retirement Planning →
Turn savings into income.
Social Security Planning →
When and how to claim.
Legacy & Estate Planning →
Leave things in order.
Business Consulting →
Guidance for small businesses.
Senior & ALF Placement →
Find the right care setting.
Remote Care Services →
Care coordination from home.
Financial Literacy Education →
Workshops & one-on-one coaching.
Tax Preparation & Strategy →
Filing and year-round planning.
Notary & Title Signing →
Mobile notary & signings.
Care in St. Johns County
When we compare Medicare Advantage and Marketplace plans with you, we check whether your doctors and hospitals are in-network. Major hospital systems serving St. Johns County include UF Health St. Johns, Flagler Health+ (St. Augustine). Confirming your providers and prescriptions are covered is part of every review we do — before you enroll.
St. Johns County — frequently asked
Other areas we serve
Sources & methodology. Marketplace plan counts and subsidy figures are from the HealthCare.gov Marketplace API for the 2026 plan year (St. Johns County, FIPS 12109); population figures are approximate, U.S. Census Bureau (American Community Survey). Subsidy examples assume one 45-year-old at about $40,000/year household income and are estimates only — your amount depends on your household, income and ZIP. This page is general education, not insurance, tax or legal advice. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier, and is not affiliated with or endorsed by the U.S. government, CMS or the federal Medicare program. Reviewed July 2026.
Local help in St. Johns County, at no cost
Book a free, no-pressure consultation with a licensed local agent — Medicare, Marketplace health, life insurance and more.