Medicare & Health Insurance in Fernandina Beach, FL: 2027 Guide
Fernandina Beach residents choose from the same 33 Medicare Advantage plans as the rest of Nassau County for 2027, 28 of them at a $0 Part C premium, with in-network out-of-pocket limits from $2,500 to $9,850. Of Fernandina Beach’s 13,239 residents, 37.7% are 65 or older.
Page last revised 15 October 2026. Census: ACS 2023. Plans: CMS CY2027.
Fernandina Beach has a median age of 58.3 in the latest Census survey, and 37.7% of its 13,239 residents are 65 or older, the oldest population of any place we serve.
Baptist Medical Center Nassau, rated 4 stars by CMS, is in Fernandina Beach. If you split the year between Amelia Island and another state, how a Medicare Advantage network treats care in your other state is the question to settle before enrolling; Original Medicare with a Medigap plan works at any provider that accepts Medicare.
Fernandina Beach at a glance
| Measure | Fernandina Beach | Nassau County |
|---|---|---|
| Population | 13,239 | 94,653 |
| Median age | 58.3 | 46.3 |
| Aged 65 or older | 37.7% | 23.3% |
| Median household income | $92,535 | $88,900 |
| No health insurance | 9.1% | 7.5% |
Source: U.S. Census Bureau, American Community Survey 2023 5-year estimates (DP03, DP05 and S2701), via the Ambrose Insurance Brain.
2027 Medicare options for Fernandina Beach
Every plan, with its star rating, premium, out-of-pocket limit and Part D deductible, is listed in the Nassau County guide.
Source: CMS CY2027 landscape file and 2027 Star Ratings for Nassau County; Medicare.gov for the Part D cap.
Hospitals near Fernandina Beach
| Hospital | ZIP | CMS overall rating |
|---|---|---|
| Baptist Medical Center – Nassau | 32034 | 4.0★ |
Source: CMS Care Compare — Hospital General Information (overall star rating), retrieved 15 October 2026.
Next steps for Fernandina Beach residents
- Turning 65 soon? Find your enrollment window.
- Comparing Medicare Advantage with a Medigap plan? Run both on your own numbers.
- Under 65 and buying your own coverage? Estimate your premium tax credit.
- Want a second set of eyes? Book a free consultation or call 888-661-0126.
Fernandina Beach: frequently asked
Nearby areas
Sources & methodology
- U.S. Census Bureau — ACS 2023 5-year Data Profiles (place) · ACS 2023
- CMS — Prescription Drug Coverage: CY2026 and CY2027 MA / Part D Landscape Source Files (Downloads) · CY2027
- CMS — Part C and D Performance Data (2027 Star Ratings, released October 2026) · 2027
- CMS Care Compare — Hospital General Information (overall star rating) · retrieved 15 October 2026
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles · 2026 plan year
- HealthCare.gov Marketplace API — 2026 plan year plans and subsidy estimates · 2026 plan year
- CMS — State Specific Age Curve Variations (federal default age curve) · federal default curve
Place figures are the Census Bureau’s profile for Fernandina Beach city, Florida. Medicare plan figures are for Nassau County, because CMS approves Medicare Advantage service areas by county; the full plan tables are on the Nassau County guide. Pulled through the Ambrose Insurance Brain on 15 October 2026.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 2026.
Help in Fernandina Beach, at no cost
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Medicare TPMO disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.