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Northeast Florida · Florida

Affordable Healthcare in Northeast Florida

Jacksonville, the Beaches, Orange Park, St. Augustine, Fernandina Beach and Gainesville. Navy towns, the Mayo Clinic, a big university hospital, and a lot of small businesses.

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Answer 6 quick questions to see what Direct Primary Care plus health sharing could cost your household.

Buying your own plan in Northeast Florida

Northeast Florida has some of the best-known hospitals in the state, including Mayo Clinic's Florida campus and UF Health's teaching hospitals in Jacksonville and Gainesville.

It's also a Navy region. Active-duty families and most military retirees have TRICARE, which is health coverage. The households who call us are usually contractors, spouses who run their own business, veterans without TRICARE, and small-business owners.

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Cities we help in Northeast Florida

  • Jacksonville · Duval County
    Home to Mayo Clinic in Florida, UF Health Jacksonville and Baptist Medical Center Jacksonville.
  • Jacksonville Beaches · Duval and St. Johns counties
    Beach towns with many self-employed and service workers.
  • Orange Park · Clay County
    South-side suburb near NAS Jacksonville, with a hospital in town.
  • St. Augustine · St. Johns County seat
    Flagler Health+ is the main local hospital.
  • Fernandina Beach · Nassau County
    Small island town near the Georgia line.
  • Gainesville · Alachua County
    Home of the University of Florida and UF Health Shands Hospital, a major teaching hospital.

Don't see your town? We help anywhere in Florida. Tell us where you are.

TampaSt. PetersburgClearwaterLakelandOrlandoKissimmeeThe VillagesOcalaMiamiFort LauderdaleBoca RatonWest Palm BeachSarasotaFort MyersNaplesJacksonvilleSt. AugustineGainesvillePensacolaDestinPanama CityTallahasseeDaytona BeachMelbournePort St. Lucie

Outline simplified. This region is highlighted; tap another region's city to open its guide.

TRICARE, VA and everyone else

If you have TRICARE or VA health care, keep it. You very likely don't need anything on this site except perhaps a dental savings plan.

For civilian contractors around the bases, a job between contracts often means a gap in coverage. Health sharing can start on the first of any month, and the monthly amount doesn't depend on income.

Planning care at a large academic center? With health sharing there's no network to check, but call the sharing program before any planned procedure and ask the hospital for its self-pay price in writing.

Who it fits here, and who should stay on insurance

Usually a good fit: healthy individuals and families who buy their own plan, self-employed people, early retirees under 65, and households whose income is too high for much Marketplace help.

Usually better on insurance: anyone who qualifies for Florida Medicaid, anyone with a serious ongoing condition who needs it paid for in year one, anyone planning a pregnancy in the next nine months, anyone who needs regular mental-health therapy, and anyone whose tax credit makes an ACA plan cheap.

In this region specifically: Military families with TRICARE should keep it. For civilians with a large tax credit, a Marketplace plan is usually cheaper.

Not sure which side you're on? Tell us about your household or call (727) 761-1715.

Illustrative example · October 2026

Jacksonville contractor family, parents in their 40s

$633.60 /month

Member + family, oldest member 40–49, $2,500 Initial Unshareable Amount per Need, non-tobacco. Combined medical cost sharing + virtual primary care membership. Optional dental savings plan from $8.95/month. Not a quote; your amount depends on your household.

See the full price table →

Questions we hear from this region

Can I go to Mayo Clinic or UF Health with health sharing?

Health sharing has no network, so you can use any licensed provider. Call the program before planned care, ask the hospital for its self-pay price, and remember that sharing is voluntary and not guaranteed.

I have TRICARE. Do I need this?

Usually not. TRICARE is health coverage. You might look at a dental savings plan if you don't have dental benefits.

Is this health insurance?

No. Health care sharing and direct primary care are alternatives to insurance. Sharing is voluntary and not guaranteed, and it isn't Minimum Essential Coverage. Florida has no state penalty for going without insurance.

Other regions: Tampa Bay · Central Florida · South Florida · Southwest Florida · North Florida & the Panhandle · Space Coast & Treasure Coast

Read more: every option compared · what it costs · health sharing in Florida · direct primary care

Written and reviewed by Graham Kerswell. Last updated October 15, 2026. Facts and prices are checked against the sources named on this page.

Sources

Compare your options in Northeast Florida

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (727) 761-1715

Free, no obligation. Florida households only.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

Florida notice (§ 624.1265(3), Florida Statutes)
Florida law requires health care sharing organizations to give this notice with their applications and guidelines: “Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant is compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under Florida's direct health care agreement law (§ 624.27, Florida Statutes), these agreements are not health insurance and are not subject to the Florida Insurance Code. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. Florida disclosure (§ 636.212, Florida Statutes): The plan is not insurance. The plan provides discounts at certain health care providers for medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. Discount plan organization: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Florida is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.