Health insurance in Santa Rosa County, Florida
5 insurers sell 123 marketplace plans here, and 9.8% 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
5 insurers compete in Santa Rosa County with 123 plans between them, about 25 plans each. Each insurer averages about 25 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
9.8% of Santa Rosa County's 168,817 under-65 residents have no health coverage — 16,517 people. That is below the Florida rate of 13.7%, and puts Santa Rosa County in the middle half of the 1,817 counties on this site (1083rd).
Some of those 16,517 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
15,524 Santa Rosa County residents selected a marketplace plan for 2026: 92 per thousand under-65 residents, 882nd of 1,817. That is above the 78 per thousand typical of published counties. 2,319 of them — 15% — were new rather than renewing.
Santa Rosa County against Florida
Santa Rosa County is the 27th largest of the 32 Florida counties we publish. Its uninsured rate runs 3.9 points lower than Florida overall and its 5 insurers sit between the state's 1 and 13. Marketplace use is well under the Florida rate.
| Santa Rosa County | Florida | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 9.8% | 13.7% | 9.9% |
| Insurers selling | 5 | 1–13 | 4 |
| Plans offered | 123 | — | 57 |
| Selections per 1,000 | 92 | 254 | 78 |
| New rather than renewing | 15% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Okaloosa County | 181,302 | 13.0% | 4 | 106 |
| Clay County | 194,723 | 10.0% | 7 | 146 |
Clay County has 7 insurers against this county's 5 — a reminder that the county line, not the state line, is what decides your options.
Other Florida counties · Where the subsidy stops · Enrollment dates