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Flagler Beach Insurance — Medicare, ACA, Life

5,568 Flagler Beach residents — independent comparisons from a licensed Florida agent.

✓ Free • no obligation • about 90 seconds

Matt Giron

Licensed in Texas

Flagler Beach at a glance

What makes Flagler Beach different: Flagler Beach is one of the last low-rise 'old Florida' beach towns on the east coast, banning high-rise development and allowing cars to park right on the shoulder of A1A beside its cinnamon-colored sand; its historic fishing pier (originally built 1927-28) closed after Hurricanes Ian and Nicole and is being rebuilt in concrete for a 2026 reopening.

Flagler Beach population: 5,568
Flagler County Medicare: 45,858
MA penetration (county): 55%

Products we offer in Flagler Beach

Medicare Advantage

Part C plans that bundle hospital, medical, and usually drug coverage.

Medicare Supplement (Medigap)

Plans G, N, and high-deductible G that fill the gaps in Original Medicare.

Medicare Part D

Standalone prescription drug plans, including the 2026 $2,100 out-of-pocket threshold.

ACA Health Insurance

Marketplace plans for under-65 Texans and Floridians, with subsidy verification.

Final Expense

$5,000-$50,000 simplified-issue whole life for funeral and burial costs.

Term Life Insurance

10-, 20-, and 30-year level term — the cheapest way to cover a mortgage or income.

Whole Life Insurance

Permanent insurance with guaranteed cash value and level premiums.

Talk to a real Florida agent

Pick a time — no sales pressure, no obligation. We'll walk through the plans that fit Flagler Beach.

Frequently Asked Questions

Who are the top Medicare carriers in Flagler Beach?

Across Flagler County (which includes Flagler Beach), the leading Medicare Advantage carriers are Humana, UnitedHealthcare, Aetna, Devoted Health. We work with all of them and most of the smaller carriers.

Where do most Flagler Beach residents go for care under Medicare Advantage?

Major hospital systems in Flagler County include AdventHealth Palm Coast, AdventHealth Palm Coast Parkway. Most MA plans build their networks around these systems — so the right plan depends on which hospital your doctor is affiliated with.

How do I get free help in Flagler Beach?

Two free options: (1) your local SHIP — Florida SHINE — Flagler at 1-800-963-5337 — and (2) us. SHIP counselors give unbiased plan information but cannot enroll you. We can do both at no cost to you.