Insurance guidance in Nassau County, FL
Fernandina Beach, Amelia Island, Yulee, and Callahan. From Amelia Island retirees to Yulee's growing families, we tailor Medicare and health coverage to Nassau County's needs.
A local insurance agent for Nassau County
Choosing coverage is easier with someone who knows your area. From Fernandina Beach, Amelia Island, Yulee and Callahan, Kate Spilsbury helps Nassau County residents cut through the noise and choose coverage that actually fits their doctors, medications, and budget — without the sales pressure.
As a Registered Social Security Analyst® (RSSA®) and Certified Medicare Insurance Planner (CMIP®), Kate brings credentialed expertise to every conversation — whether you're turning 65, shopping the Marketplace after a job change, protecting your family with life insurance, or setting up benefits for your Nassau County business.
Medicare in Nassau County, by the numbers
Nassau County residents shop the Nassau County Medicare market. These figures come straight from the CMS Contract Year 2026 files, refreshed August 2026.
Most enrolled plans in Nassau County
"Most enrolled" is a fact from CMS enrollment files, not a recommendation.
- AARP Medicare Advantage from UHC FL-0005 (HMO-POS) HMO-POS · 4.5★ CMS rating · 2,489 enrolled
- AARP Medicare Advantage from UHC FL-0021 (PPO) PPO · 4★ CMS rating · 1,986 enrolled
- Aetna Medicare Signature (PPO) PPO · 4.5★ CMS rating · 995 enrolled
- Humana Full Access Giveback H5216-393 (PPO) PPO · 3.5★ CMS rating · 689 enrolled
- Aetna Medicare Signature (PPO) PPO · 4.5★ CMS rating · 480 enrolled
Top Part D drug plans (Florida, 2026)
Standalone drug plans are statewide. For 2026 the standard deductible is $615 and out-of-pocket drug costs cap at $2,100 for the year.
| Plan | Premium/mo | Deductible |
|---|---|---|
| Wellcare Classic (PDP) | $0 | $615 |
| SilverScript Choice (PDP) | $98.30 | $615 |
| Wellcare Value Script (PDP) | $0 | $615 |
| AARP Medicare Rx Preferred from UHC (PDP) | $119.10 | $130 |
See the Nassau County 2026 Medicare guide: CMS plan data, star ratings & SNPs
Before you choose, check the details that affect you
Countywide data is a helpful starting point. Your doctors, prescriptions, hospitals, costs, and priorities determine which options deserve a closer look.
Compare My Options With KatePrefer to research independently? Use Kate's PlanEnroll page.
No pressure. Start with your questions and the healthcare details that matter to you.
Sources: CMS CY2026 Medicare Advantage & Part D landscape files and August 2026 enrollment data; compiled by the Mere Benefits Data Desk. MA/MAPD counts exclude Special Needs Plans, which are counted separately.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 90 products in your area. Please contact medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Coverage for every stage of life
One trusted, local advisor for Medicare, health, life, and business coverage — so you don't need a different agent for every need.
Medicare
Advantage, Supplement & Part D plans matched to Nassau County doctors and pharmacies.
Learn moreACA Marketplace
Individual & family health plans — with a real look at any subsidy you qualify for.
Learn moreSelf-Employed
Smart, tax-aware coverage for 1099 workers and small-business owners.
Learn moreLife Insurance
Term, whole & living-benefit protection for your family's future.
Learn moreGroup Benefits
Employee benefits for Nassau County-area employers, re-shopped every year.
Learn moreSocial Security
RSSA®-credentialed claiming analysis to maximize your lifetime benefit.
Learn moreThe difference is who's on your side
Independent & unbiased
We aren't captive to one insurer, so we compare the plans available to Nassau County residents and recommend what fits you — not what pays us most.
Local & personal
We meet Nassau County clients in person, or by phone and video — and we're a call or text away after you enroll, not just at sign-up.
Credentialed expertise
RSSA® and CMIP® designations mean your Medicare and Social Security decisions are planned properly, not guessed at.
Nearby communities we also serve
Common questions
How many Medicare Advantage plans can Nassau County residents choose from in 2026?
Nassau County is in Nassau County, where 34 Medicare Advantage (non-SNP) plans are offered for 2026. 30 of them have a $0 monthly Part C premium, 24 include drug coverage, and 65% are rated 4 stars or higher by CMS.
What do Medicare plans cost in Nassau County in 2026?
The average Part C premium across Nassau County's 34 plans is $3.38 per month, with in-network out-of-pocket maximums from $2,500 to $9,250. A $0 premium does not mean $0 cost, and a lower premium does not automatically mean lower overall cost.
Are there Special Needs Plans near Nassau County?
Yes. Nassau County has 25 Special Needs Plans for 2026 (1 I-SNP, 18 D-SNP, 6 C-SNP). Eligibility depends on your situation, for example qualifying for both Medicare and Medicaid, or living with a qualifying chronic condition.
Do you meet with clients in Nassau County?
Yes. We serve Nassau County and the rest of Nassau County in person, and by phone or video whenever that's more convenient. There's never a cost to work with us.
Which plans can you compare for Nassau County residents?
We're independent, so we compare Medicare Advantage, Supplement, and Part D plans, ACA Marketplace health plans, and life and supplemental coverage from the carriers serving Northeast Florida.
How much does it cost to work with a local agent?
Nothing extra. Plan prices are set by the carriers and are identical whether you enroll on your own or with us — we're paid by the carriers, so our guidance is free to you.
Are you connected to Medicare or the government?
No. Mere Benefits is a private, independent agency and is not endorsed by or connected with the U.S. government or the federal Medicare program. We don't offer every plan available in your area.
How do I get started?
Call or text (904) 654-5450, email info@merebenefits.com, or use our contact form. We'll set up a relaxed, no-pressure conversation — in person on the First Coast, or by phone and video.
Will I have to change doctors?
Not if we can help it. Before recommending a plan we confirm your doctors are in-network and your prescriptions are covered, so keeping your care is part of the decision.
Ready to talk about coverage in Nassau County?
Tell us what you need and we'll translate Nassau County's options into a clear recommendation — free, local, and with no pressure.
- No cost to you
- RSSA® · CMIP®
- No pressure, ever