St. Johns County is home to approximately 270,000 residents across its major cities and unincorporated communities. The county's economy is centered on tourism, healthcare, retail, professional services, and real estate, creating a diverse workforce with varying levels of access to employer-sponsored health insurance.
St. Johns County is one of Florida's fastest-growing counties and consistently ranks as one of the best places to live in Florida. Anchored by historic St. Augustine (America's oldest city), the county blends heritage tourism with upscale residential growth. Nocatee — one of the fastest-growing master-planned communities in the US — has driven massive population increases. The county has high median household income but also a significant workforce in tourism, hospitality, and service industries that may lack employer coverage.
With an estimated 9% uninsured rate, St. Johns County has thousands of residents who may qualify for $0/month or heavily subsidized ACA health insurance but haven't yet enrolled. The Affordable Care Act marketplace offers comprehensive coverage options through 2 competing carriers in the county.
Available ACA Carriers in St. Johns County (2026)
Two carriers serve St. Johns County. Florida Blue has strong network ties to Flagler Hospital St. Augustine and Baptist Health Jacksonville.
- Florida Blue (BCBS)
- Ambetter from Sunshine Health
Each carrier offers plans across multiple metal tiers — Bronze, Silver, and Gold. Silver plans are typically the best value for subsidy-eligible St. Johns County residents due to Cost Sharing Reductions that only apply at the Silver tier.