Compare 2026 ACA health insurance plans in Fleming Island, Clay County. 4 carriers, ~38 plans. See what you qualify for — including $0/month options — in 60 seconds.
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Fleming Island is a smaller community in Clay County, with 4 ACA marketplace carriers competing for residents' business in 2026. That competition matters: more carriers typically means more plan options, and more leverage for subsidy-eligible enrollees to find low or zero-cost coverage.
Florida Blue (BCBS) has the broadest provider network in Clay County, with the widest hospital and specialist access. Ambetter from Sunshine Health typically offers the most competitive premiums for subsidy-eligible Fleming Island residents. The right choice depends on which local doctors and hospitals you need covered — and our agents compare all 4 carriers for your specific situation, free.
Florida's ACA marketplace has grown dramatically. Enhanced subsidies mean more Fleming Island residents qualify for larger premium tax credits than ever. A single adult earning up to $60,750/year qualifies for some level of subsidy — and those earning over that threshold may still qualify if premiums would exceed 8.5% of their income.
Clay County has 4 ACA marketplace carriers offering plans for 2026. Here's what you need to know about each one:
Before enrolling in any ACA plan, verify your preferred hospitals and doctors are in-network. The Fleming Island area is served by several medical facilities:
Your monthly premium after federal tax credits depends on your income and household size. These are estimates for a benchmark Silver plan in Clay County:
| Household | Annual Income | % of FPL | Est. Monthly Cost | Recommendation |
|---|---|---|---|---|
| 1 person | $15,060 – $22,590 | 100–150% | $0/month | Silver + CSR |
| 1 person | $22,590 – $35,000 | 150–230% | $10–$75/month | Silver + CSR |
| 1 person | $35,000 – $51,000 | 230–340% | $75–$200/month | Silver |
| 1 person | $51,000 – $60,750 | 340–400% | $200–$350/month | Silver or Gold |
| Family of 4 | $31,200 – $46,800 | 100–150% | $0–$30/month | Silver + CSR |
| Family of 4 | $46,800 – $78,000 | 150–250% | $30–$180/month | Silver + CSR |
| Family of 4 | $78,000 – $124,800 | 250–400% | $180–$550/month | Silver |
Estimates for Clay County benchmark Silver plan. Actual amounts vary by age, plan, and carrier. Unsubsidized benchmark range: $195–$610/month. Run a free quote for your exact number.
Our licensed Florida agents compare all 4 carriers in Clay County for your specific income and household. No cost, no obligation, no pressure.
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