High Earners, Fewer Subsidies — But Still Options
St. Johns County is one of the fastest-growing and most affluent areas in Florida. Many residents earn too much to qualify for Marketplace subsidies — yet they still want affordable, flexible healthcare options. Whether you're nearing retirement, self-employed, or raising a family, finding coverage that actually works with local providers can be a challenge.
Our Experience, Your Advantage
At Mere Benefits, we've helped thousands of Floridians since 2010 and have proudly served St. Johns County since 2018. We understand the plans that work best with St. Vincent's, Baptist South, UF Health Flagler, and Mayo Clinic, which is often a priority for those in our community.
Our Services in St. Johns County
- Medicare Guidance for Retirees Turning 65 or reviewing your current plan? We'll compare Medicare Advantage, Supplements, and prescription drug coverage — so you have a plan that works with both local and specialty providers like Mayo Clinic.
- Marketplace & ACA Health Plans If you don't qualify for a subsidy, Marketplace plans can get expensive and many are limited by HMO networks. We'll help you evaluate all your options, from ACA to private PPOs.
- Direct Primary Care & Alternative Coverage Direct Primary Care (DPC) is growing rapidly in St. Johns County because it offers a personalized approach to healthcare. We help you pair DPC with private PPOs or cost-sharing plans (like Medi-Share) so you're covered for major expenses.
- Self-Employed Health Solutions For business owners and high-income earners, we design flexible health coverage strategies that combine tax efficiency with top-tier benefits.
- Group Benefits for Small Businesses Growing companies in St. Johns and Nocatee turn to us to create competitive, affordable group plans that help attract and retain talent.
- Social Security & Retirement Planning As a Registered Social Security Analyst (RSSA®), we help you optimize your benefits and plan for the long-term.
- Veterans' Coverage We offer private plans that complement VA or TRICARE benefits, helping veterans and their families close any coverage gaps.
Communities We Serve
We proudly serve St. Augustine, Nocatee, Fruit Cove, Ponte Vedra Beach, and surrounding communities. Our team understands access to top hospitals like UF Health Flagler, Baptist South, Ascension St. Vincent's, and Mayo Clinic.
Zip Codes We Serve
Your Plan, Simplified
Schedule Your Free Review
We'll understand your needs and preferences.
Compare All Options
From ACA to private PPOs and DPC pairings, we'll find what works.
Enjoy Peace of Mind
Walk away confident that your coverage fits your lifestyle and doctors.
The Life You Want
With the right coverage, you can enjoy historic St. Augustine, the beaches, and the thriving St. Johns community without stressing about healthcare costs or network limits.