Health insurance in Okaloosa County, Florida
4 insurers sell 106 marketplace plans here, and 13.0% 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.
Who sells here, and how much choice that gives
4 insurers sell marketplace plans in Okaloosa County, offering 106 plans between them, roughly 26 each. Each insurer averages about 26 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
13.0% of Okaloosa County's 181,302 under-65 residents have no health coverage — 23,617 people. That is close to the Florida rate of 13.7%, and puts Okaloosa County in the middle half of the 1,817 counties on this site (534th).
Some of those 23,617 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
22,859 Okaloosa County residents selected a marketplace plan for 2026: 126 per thousand under-65 residents, 497th of 1,817. That is above the 78 per thousand typical of published counties. 4,092 of them — 18% — were new rather than renewing.
Okaloosa County against Florida
Okaloosa County is the 26th largest of the 32 Florida counties we publish. Its uninsured rate runs 0.7 points lower than Florida overall and its 4 insurers sit between the state's 1 and 13. Marketplace use is well under the Florida rate.
| Okaloosa County | Florida | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 13.0% | 13.7% | 9.9% |
| Insurers selling | 4 | 1–13 | 4 |
| Plans offered | 106 | — | 57 |
| Selections per 1,000 | 126 | 254 | 78 |
| New rather than renewing | 18% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Santa Rosa County | 168,817 | 9.8% | 5 | 123 |
| Clay County | 194,723 | 10.0% | 7 | 146 |
Clay County has 7 insurers against this county's 4 — a reminder that the county line, not the state line, is what decides your options.
Other Florida counties · Where the subsidy stops · Enrollment dates