Two elderly women in bathrobes enjoying coffee by a window indoors. — Photo by Anastasia Shuraeva on Pexels

Palm Coast Insurance — Medicare, ACA, Life

106,729 Palm Coast residents — independent comparisons from a licensed Florida agent.

✓ Free • no obligation • about 90 seconds

Matt Giron

Licensed in Texas

Palm Coast at a glance

What makes Palm Coast different: Palm Coast was master-planned beginning in 1969 by conglomerate ITT (through its ITT Community Development Corporation) as one of the largest planned communities in the U.S., and it didn't incorporate as a city until December 31, 1999.

Palm Coast population: 106,729
Flagler County Medicare: 45,858
MA penetration (county): 55%

Neighborhoods we cover: Palm Harbor · Indian Trails · Cypress Knoll · Pine Lakes · Lehigh Woods · Quail Hollow · Belle Terre · Grand Haven

Products we offer in Palm Coast

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 Palm Coast.

Frequently Asked Questions

Who are the top Medicare carriers in Palm Coast?

Across Flagler County (which includes Palm Coast), 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 Palm Coast 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 Palm Coast?

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.