Compare plans available across West Palm Beach, Boca Raton, Delray Beach, and every Palm Beach County zip code. Free quotes from licensed Florida agents.
Palm Beach County stretches from Boca Raton in the south through West Palm Beach, Lake Worth, Delray Beach, Boynton Beach, Jupiter, and up to Palm Beach Gardens in the north. With a population of approximately 1.5 million, it is one of Florida's largest counties — and one with a wide range of residents in terms of age, income, and healthcare needs. From retirees and seasonal residents to working families and young professionals, the county's health insurance landscape reflects that diversity.
In 2026, the ACA Marketplace remains the primary source of private health insurance for Palm Beach County residents who don't have access to employer-sponsored coverage or government programs like Medicare and Medicaid. Thanks to expanded federal subsidies that have been in place since 2021, the majority of eligible Palm Beach households can access plans at reduced premiums — and many qualify for $0 per month coverage after their tax credit is applied.
Palm Beach County's insurance market includes multiple competing carriers, which gives residents genuine options when it comes to plan design, provider networks, and premium pricing. Working with a licensed Florida agent ensures you're comparing the right plans for your specific household and zip code — not just the lowest premium, but the best overall value.
All ACA Marketplace plans are organized into four metal tiers. Here's what each tier means for Palm Beach County residents:
Bronze plans have the lowest monthly premiums in Palm Beach County, but they come with higher deductibles — typically ranging from $5,000 to $9,000 per year. After applying your subsidy, many Bronze plans cost very little per month. These are best suited for individuals who are in good health, don't anticipate needing much medical care, and primarily want financial protection against serious illness or injury.
Silver plans are the cornerstone of the ACA for most middle-income households. They're the only plans that qualify for Cost-Sharing Reductions, which apply automatically if your income falls between 100% and 250% of the Federal Poverty Level. For qualifying Palm Beach County residents, a Silver plan with full CSR can come with deductibles as low as $0 — making them an exceptional value compared to Bronze plans even if the monthly premium is slightly higher.
Gold plans are designed for households that expect to use their insurance regularly — frequent doctor visits, ongoing prescriptions, or planned procedures. Platinum plans offer the maximum benefit structure with the highest premiums but the lowest cost-sharing. These tiers are generally worth considering for individuals managing ongoing health conditions or households with predictably high annual healthcare utilization.
Visit GetFloridaCoverage.com to see exactly which carriers and plans are available in your Palm Beach zip code.
Subsidies are one of the most important factors in making health insurance affordable for Palm Beach County residents. Here's how the two types of assistance work:
The APTC is a monthly credit applied directly to your premium. The larger your credit, the less you pay out of pocket each month. For 2026, approximate income thresholds by household size are:
CSRs reduce what you pay when you actually use care — your deductible, copays, and annual out-of-pocket maximum. They are only available on Silver plans and only for households earning between 100% and 250% of the FPL. A Palm Beach family of three earning $48,000 per year, for example, could qualify for a Silver plan with a deductible of just $500 or less.
If you're unsure whether you qualify, a licensed agent can run the calculation in minutes at no charge. You can also preview options at FloridaPlanFinder.com.
Enrolling through a licensed Florida agent is the most efficient and cost-effective way to get covered in Palm Beach County. Here's how the process works:
Florida's ACA Open Enrollment Period runs from November 1 through January 15 each year. Enrolling before December 15 ensures a January 1 start date. After January 15, you must qualify for a Special Enrollment Period to enroll.
Life events that trigger a Special Enrollment Period include losing employer-sponsored coverage, getting married or divorced, having a child, moving to Palm Beach County from another county or state, or changes in household income. You typically have a 60-day window from the triggering event to enroll without waiting for open enrollment. Contact a licensed Florida agent as soon as a qualifying event occurs.
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