Palm Beach County Health Insurance Marketplace 2025: West Palm Beach ACA Plans & Subsidies
Palm Beach: 240,000+ Marketplace Enrollees, 68% Eligible for $0 Premiums
Serving Palm Beach County from West Palm Beach to Boca Raton with comprehensive ACA Marketplace health insurance plans. Access $0 premium coverage for 68% of eligible residents (163,000+ people!), subsidies averaging $485/month (highest in Florida), and local enrollment specialists who understand Palm Beach's diverse healthcare needs.Open Enrollment runs November 1 - January 15 annually.
2025 Palm Beach County Health Insurance Marketplace Open Enrollment
📅 Enrollment Period:
November 1, 2025 - January 15, 2026
Coverage starts: January 1, 2026
⚡ Quick Action Required:
Enroll by December 15 for January 1 coverage
After Jan 15: Special Enrollment Period only
🏥 Palm Beach County ACA Marketplace Health Insurance Plans
🌟 Available Plan Types
- 🥉Bronze Plans: Low premium, higher deductible ($8,500+ deductible)
- 🥈Silver Plans: Best for subsidies, moderate costs ($6,000 deductible)
- 🥇Gold Plans: Lower out-of-pocket, higher premium ($2,500 deductible)
- 💎Platinum Plans: Comprehensive coverage, lowest out-of-pocket
💰 Zero Premium Plans
68% of Palm Beach residents qualify for $0 premium plans with enhanced subsidies. That's 163,000+ people who could have $0 monthly premiums if:
- ✓ Individual income under $43,000
- ✓ Family of 4 income under $88,000
- ✓ Household income 100-150% of poverty level
- ✓ Eligible for enhanced premium tax credits
Learn about ACA cost-sharing reductions and Silver plan benefits
💡 Palm Beach Marketplace Advantage
With 240,000+ Marketplace enrollees, Palm Beach County is Florida's largest ACA Marketplace. Palm Beach's higher household incomes (avg $72,500) mean more residents qualify for substantial subsidies without hitting Medicaid eligibility. Major providers including Molina, Ambetter, Oscar, and Cigna offer comprehensive coverage. All plans cover essential health benefits including preventive care, emergency services, prescription drugs, and maternity care. Compare plans and enroll with local specialists who understand Palm Beach's affluent yet diverse healthcare landscape. For seniors 65+, explore Medicare Supplement options instead.
Compare Florida ACA Coverage:
🏙️ ACA Marketplace Coverage Across Palm Beach County
🏢 West Palm Beach ACA Marketplace
West Palm Beach leads with 85,000+ Marketplace enrollees. Downtown professionals, Norton Museum district residents, and CityPlace workers access comprehensive ACA plans with $485 average subsidies.
- • St. Mary's Medical Center network access
- • Good Samaritan Medical Center coverage
- • Young professional and family-focused plans
- • Downtown enrollment support available via local specialists
🏖️ Boca Raton ACA Marketplace
Boca Raton's 58,000+ Marketplace enrollees include tech entrepreneurs and self-employed professionals. Despite higher incomes, many qualify for substantial subsidies under expanded eligibility.
- • Boca Raton Regional Hospital premium networks
- • Gold and Platinum plans for comprehensive coverage
- • High-income subsidy eligibility (up to $125K for families)
- • Specialized plans for dental and vision benefits
🌴 Delray Beach ACA Marketplace
Delray Beach serves 32,000+ Marketplace enrollees with beach community focus. Atlantic Avenue businesses and seasonal residents access flexible ACA plans.
- • Delray Medical Center network access
- • Seasonal coverage options for snowbirds
- • Special Enrollment Periods for life changes
- • Plans covering preventive care and wellness
🐴 Wellington, Boynton Beach & Jupiter
Combined 65,000+ Marketplace enrollees across Wellington (equestrian community), Boynton Beach (family-focused), and Jupiter/Palm Beach Gardens (coastal affluent).
- • Wellington: Equestrian industry self-employed coverage
- • Boynton Beach: Family plans with pediatric care
- • Jupiter/PBG: Jupiter Medical Center access
- • All cities: $0 premium eligibility for 68% of residents
🏥 Major Hospital Networks in Palm Beach ACA Plans
All Palm Beach County ACA Marketplace plans include access to major hospital systems including Cleveland Clinic Florida (Weston), JFK Medical Center, Bethesda Hospital East/West,St. Mary's Medical Center, Palm Beach Gardens Medical Center, and Wellington Regional Medical Center.
Compare hospital networks and plan quality with ACA plan star ratings or schedule a free consultation with our specialists.
📚 Palm Beach County Health Insurance Marketplace Resources
ACA Marketplace Resources
Palm Beach County Services
⚡ Special Enrollment Period (SEP) - Enroll Outside Open Enrollment
Missed Open Enrollment? You may qualify for Special Enrollment Period if you experienced:
- ✓ Lost job-based health coverage
- ✓ Got married or divorced
- ✓ Had a baby or adopted a child
- ✓ Moved to Palm Beach County
- ✓ Lost Medicaid or CHIP coverage
- ✓ Became a U.S. citizen
- ✓ Released from incarceration
- ✓ Income change affecting subsidy eligibility
You typically have 60 days from the qualifying event to enroll. Contact our specialists to verify SEP eligibility and enroll today.
Compare Health Insurance Across South Florida
Florida ACA Marketplaces:
Palm Beach Medicare Options:
Enrollment Tools:
📊 ACA Marketplace vs. Other Health Insurance Options
When ACA Marketplace is Best:
- ✓ Self-employed or freelance workers without employer coverage
- ✓ Income between $15,060 - $125,000+ for subsidy eligibility
- ✓ Lost job-based coverage during Special Enrollment Period
- ✓ Need comprehensive coverage with essential health benefits
- ✓ Pre-existing conditions requiring guaranteed coverage
Other Coverage Options:
- • Age 65+: Medicare Supplement (Medigap) + Part D
- • Limited income: Florida Medicaid (under $15,060 individual)
- • Employer coverage: Compare with Marketplace subsidies
- • Short-term needs: Supplemental insurance for gaps
- • International travel: Travel insurance add-ons
💡 Palm Beach County Insurance Planning
Our local specialists help Palm Beach County residents navigate ACA Marketplace plans, Medicare Supplement, Medicare Advantage, and supplemental coverage. We provide free plan comparisons, subsidy calculations, and enrollment support across West Palm Beach, Boca Raton, Delray Beach, Wellington, Boynton Beach, and Jupiter. Schedule a consultation to find the best coverage for your needs and budget.
🏥 Get Expert ACA Marketplace Help in Palm Beach County
Compare 2025 ACA Marketplace plans for West Palm Beach, Boca Raton, Delray Beach, and all Palm Beach cities. 68% of residents qualify for $0 premiums (163,000+ people). Check your subsidy eligibility and enroll with local specialists.
Also serving: Broward County | Miami-Dade County | Enrollment Guide | Resources