ACA Health Insurance in Clay County, Florida. About 52,442 Medicare beneficiaries live here, with roughly 43 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Clay County, FL has about 236,800 residents per the 2024 ACS 5-year estimates (18% age 65 or older). The leading insurance carriers serving the county for aca health insurance include UnitedHealthcare, Humana, Devoted Health. We compare options at no cost to you.
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The Clay County aca health insurance market
Clay County has about 236,800 residents, 18% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include UnitedHealthcare, Humana, Devoted Health — but the right fit depends on your household size, income, and which doctors you want to keep. We compare UnitedHealthcare against every other carrier serving Clay County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Clay County at a glance
Population (2024 ACS)
236,800
Medicare beneficiaries
52,442
MA penetration
43%
Age 65 or older
18%
What makes Clay County different: Clay County, centered on the Jacksonville suburb of Orange Park, is a fast-growing, military-adjacent bedroom community (NAS Jacksonville draws many retirees) with a relatively young 17.8% age-65+ share. Its Medicare Advantage market skews high-quality: the four highest-rated plans in Orange Park are all Devoted Health 5-star HMO products, alongside 4.5-star AARP/UnitedHealthcare and Aetna offerings.
Top carriers in Clay County
UnitedHealthcare (AARP)
4.5-star CMS rating
Humana
4-star CMS rating
Devoted Health
5-star CMS rating
Aetna
4.5-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Before you enroll: verify your hospital + doctor in Clay County
Each ACA Health Insurance plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Clay County has 3
major hospital systems. Before you enroll, check that your preferred hospital and physicians
participate in the specific plan you're considering.
Major hospitals to verify
▸HCA Florida Orange Park Hospital
▸Ascension St. Vincent's Clay County
▸Baptist Medical Center Clay
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: HCA Florida Orange Park Hospital, Ascension St. Vincent's Clay County, Baptist Medical Center Clay
Frequently Asked Questions
How many people live in Clay County?▾
Clay County has about 236,800 residents per the 2024 ACS 5-year estimates; 18% are age 65 or older.
Who are the top insurers in Clay County?▾
The largest carriers in Clay County are UnitedHealthcare (AARP), Humana, Devoted Health, Aetna. We work with all of them and a few smaller carriers that often have better rates for specific situations.
What state resources are available in Clay County?▾
Florida SHINE -- Clay County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Orange Park Hospital, Ascension St. Vincent's Clay County, Baptist Medical Center Clay.
How does the high concentration of Medicare Advantage plans in Clay County affect my options?▾
Clay County, centered on Orange Park, offers a unique Medicare Advantage market with four top-rated 5-star HMO products from Devoted Health. This means you have quality choices tailored to your needs.
When can I enroll in ACA Marketplace plans for Clay County residents?▾
You can enroll during the Annual Enrollment Period (AEP) from October 15 to December 7, or outside this period if you qualify for a Special Enrollment Period (SEP). Marketplace plans are available for both under-65 and Medicare-eligible Floridians.
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Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
