Health insurance in Clay County, Florida
7 insurers sell 146 marketplace plans here, and 10.0% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
7 insurers competing here
7 insurers sell in Clay County — 146 plans in total, around 21 each. Few people compare 146 plans properly without help. Each insurer averages about 21 plans, so most of the choice here is between products from the same company rather than between companies. The number has not changed since the previous plan year.
How many people here have no coverage
10.0% of Clay County's 194,723 under-65 residents have no health coverage — 19,431 people. That is below the Florida rate of 13.7%, and puts Clay County in the middle half of the 1,817 counties on this site (1046th).
Some of those 19,431 are in the Florida coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
How much the marketplace is used
24,542 Clay County residents selected a marketplace plan for 2026: 126 per thousand under-65 residents, 498th of 1,817. That is above the 78 per thousand typical of published counties. 4,674 of them — 19% — were new rather than renewing.
Clay County against Florida
Clay County is the 25th largest of the 32 Florida counties we publish. Its uninsured rate runs 3.7 points lower than Florida overall and its 7 insurers sit between the state's 1 and 13. Marketplace use is well under the Florida rate.
| Clay County | Florida | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 10.0% | 13.7% | 9.9% |
| Insurers selling | 7 | 1–13 | 4 |
| Plans offered | 146 | — | 57 |
| Selections per 1,000 | 126 | 254 | 78 |
| New rather than renewing | 19% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Okaloosa County | 181,302 | 13.0% | 4 | 106 |
| Santa Rosa County | 168,817 | 9.8% | 5 | 123 |
| Alachua County | 226,419 | 10.3% | 5 | 101 |
All of them have fewer insurers than this county's 7, which makes it the stronger market locally.
Other Florida counties · Where the subsidy stops · Enrollment dates