Medicare & Health Insurance in St. Augustine, FL: 2027 Guide
St. Augustine residents choose from the same 38 Medicare Advantage plans as the rest of St. Johns County for 2027, 33 of them at a $0 Part C premium, with in-network out-of-pocket limits from $2,500 to $9,850. Of St. Augustine’s 14,979 residents, 25.8% are 65 or older.
Page last revised 15 October 2026. Census: ACS 2023. Plans: CMS CY2027.
The City of St. Augustine has 14,979 residents in the latest Census survey, a median age of 46.9, and 25.8% of residents aged 65 or older. The beach communities just south are older still: St. Augustine Beach has a median age of 55.3.
Flagler Hospital, rated 3 stars by CMS, is the city’s hospital, and the 4-star Ascension St. Vincent’s St. Johns County is about 30 minutes north. A Medicare plan for a St. Augustine resident should cover Flagler; whether it also covers the Jacksonville systems is the second question.
St. Augustine at a glance
| Measure | St. Augustine | St. Johns County |
|---|---|---|
| Population | 14,979 | 292,243 |
| Median age | 46.9 | 44.0 |
| Aged 65 or older | 25.8% | 20.9% |
| Median household income | $80,473 | $106,169 |
| No health insurance | 8.5% | 6.4% |
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 St. Augustine
Every plan, with its star rating, premium, out-of-pocket limit and Part D deductible, is listed in the St. Johns County guide.
Source: CMS CY2027 landscape file and 2027 Star Ratings for St. Johns County; Medicare.gov for the Part D cap.
Hospitals near St. Augustine
| Hospital | ZIP | CMS overall rating |
|---|---|---|
| Flagler Hospital | 32086 | 3.0★ |
Source: CMS Care Compare — Hospital General Information (overall star rating), retrieved 15 October 2026.
Next steps for St. Augustine 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.
St. Augustine: 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 St. Augustine city, Florida. Medicare plan figures are for St. Johns County, because CMS approves Medicare Advantage service areas by county; the full plan tables are on the St. Johns 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 St. Augustine, 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.
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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.