Before subsidies, the benchmark silver plan for a 40-year-old in Flagler County cost about $697 a month for 2026, and the Florida average for 2027 is $738 a month. Premium tax credits bring that down for many households, depending on income and family size. 6 insurers offered marketplace plans in Flagler County for 2026. The rest of this page covers your coverage options in Palm Coast, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Palm Coast
Licensed agents can compare plans available in Flagler County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Palm Coast, FL
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $738/mo before subsidies |
| Flagler County benchmark (2026) | $697/mo |
| Plans offered in Flagler County (2026) | 122 |
| Plan types | HMO, POS, EPO, PPO |
| Marketplace insurers in Florida (2027) | 10 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
How to get ready
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in Florida
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Florida Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Which insurers sell marketplace plans in Florida?
For 2027, marketplace plans in Florida come from 10 insurers: Florida Blue (BCBS of Florida / Health Options), AmeriHealth Caritas, AvMed, Capital Health Plan, Ambetter (Centene Venture; Sunshine State members transition in), Florida Health Care Plans, Health First, Oscar Health, UnitedHealthcare and Wellpoint (Simply Healthcare). Not every insurer sells in every county.
Where can I buy health insurance in Palm Coast?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Flagler Beach, FL 8 miles
- Ormond-by-the-Sea, FL 17 miles
- St. Augustine Shores, FL 19 miles
- Ormond Beach, FL 19 miles
- St. Augustine Beach, FL 21 miles
- St. Augustine South, FL 22 miles
- Holly Hill, FL 24 miles
- St. Augustine, FL 25 miles
- Daytona Beach, FL 25 miles
- Palatka, FL 27 miles