Retired early, or between jobs
Many people here stop working before 65 and need a plan until Medicare. If you're leaving a job, losing that coverage opens a Special Enrollment Period. COBRA is another option, but if you drop it on purpose or stop paying it, that doesn't open a new enrollment window.
Your 2027 tax credit depends on the household income you expect for the year. Watch the line at 400% of the poverty level, which is $63,840 for one person and $86,560 for a couple. Above it there is no tax credit for 2027 under the law as it stands in October 2026. Our early retiree guide goes through the details.
Out west in Belle Glade, Pahokee and South Bay, much of the work is seasonal farm work and income changes from month to month. Give the Marketplace your best estimate for the year and update it when things change, because the final credit is settled on your tax return.
Companies selling Obamacare plans in Palm Beach County
In 2026, 9 companies sold Marketplace plans in all of Palm Beach County, 195 plans in total: Florida Blue (68), Ambetter Health (26), Molina Healthcare (19), UnitedHealthcare (17), Cigna Healthcare (15), Oscar Health (15), AvMed (14), Wellpoint (13) and AmeriHealth Caritas Next (8). None served only part of the county.
| Company | Plans | Plan types | Metal levels |
|---|---|---|---|
| Florida Blue | 68 | EPO, HMO, POS, PPO | Bronze, Silver, Gold, Platinum |
| Ambetter Health | 26 | HMO | Bronze, Silver, Gold |
| Molina Healthcare | 19 | HMO | Bronze, Silver, Gold |
| UnitedHealthcare | 17 | HMO | Bronze, Silver, Gold |
| Cigna Healthcare | 15 | EPO, HMO | Bronze, Silver, Gold |
| Oscar Health | 15 | HMO | Bronze, Silver, Gold |
| AvMed | 14 | HMO | Bronze, Silver, Gold, Platinum |
| Wellpoint | 13 | HMO | Catastrophic, Bronze, Silver, Gold |
| AmeriHealth Caritas Next | 8 | HMO | Bronze, Silver, Gold |
Source: CMS Marketplace public use files, plan year 2026. Lists for 2027 can change; your quote shows the current plans.
Florida Blue had the most choice by far, and it was the only company here with PPO and POS plans. Cigna offered EPO plans as well as HMOs. Everyone else sold HMOs only. If you want Platinum, look at Florida Blue and AvMed. Wellpoint had the one Catastrophic plan.
Hospitals people ask about
In Palm Beach County the questions usually involve Boca Raton Regional Hospital, Jupiter Medical Center and St. Mary's Medical Center in West Palm Beach. Plans build their networks one by one, and they change from year to year. Search each plan's directory for your hospital and your doctors before you choose, or let a licensed agent check with you at no cost.
Prices in Palm Beach County
The table shows UnitedHealthcare Health ProtectorGuard (HPG) prices at age 40. They're the same across every Florida county we quoted. ACA prices need your income, so use the quote form to see them with your tax credit taken off.
UnitedHealthcare Health ProtectorGuard here, woman age 40, no tobacco
- Select 2000$145.80a month
- Preferred 4000$229.71a month
- Premier 5000$313.19a month
Source: October 24, 2026, ZIP 33401.
ACA Marketplace
ACA prices depend on your income and age. Run the form to see your exact prices with your tax credit.
HPG is fixed indemnity insurance. Select 2000 pays a $2,000 admission benefit and $2,000 per hospital day, no matter how big the bill is. It has no out-of-pocket maximum, it is not minimum essential coverage, and health questions apply. If you're 60 and have ongoing conditions, an ACA plan is usually the safer choice. Read how hospital indemnity works.
Palm Beach County ZIP codes
We have 53 ZIP codes on file for Palm Beach County. If yours crosses into Broward or a county to the north, the quote asks which county is home.
ZIP codes in Palm Beach County. If yours spans two counties, the form asks which one.
3340133403334043340533406334073340833409334103341133412334133341433415334173341833426334283343033431334323343333434334353343633437334383344033444334453344633449334583346033461334623346333467334693347033472334733347633477334783348033483334843348633487334933349633498
Open Enrollment dates for 2027
Sign up between November 1, 2026 and January 15, 2027. Choose by December 15 to start January 1. Choose between December 16 and January 15 and coverage starts February 1.
- Open Enrollment opens
- Last day to pick a plan that starts January 1
- Open Enrollment ends. Plans picked from Dec 16 start February 1
After that you need a Special Enrollment Period (a life event like losing coverage, moving, marriage or a baby). Medicaid and Florida KidCare take applications any time.
Source: HealthCare.gov dates for 2027 coverage
We aren't HealthCare.gov or a government site. When you're ready, you finish the Marketplace application on HealthSherpa, a private site connected to the federal Marketplace. Live to the south? See Broward County, or every county we cover.
Common questions
Which companies sell Obamacare plans in Palm Beach County?
In 2026: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare, Cigna Healthcare, Oscar Health, AvMed, Wellpoint and AmeriHealth Caritas Next. That's 9 companies with 195 plans. The 2027 list can differ.
I retired at 61 in Boca Raton. What are my choices until Medicare?
A Marketplace plan, COBRA if your old employer offers it, or a spouse's job plan. Your Marketplace tax credit depends on your 2027 household income, and above 400% of the poverty level there is none for 2027.
I spend summers up north. Does that matter?
It can. Most plans here are HMOs built around local doctors. Read how a plan covers care outside its area before you enroll.
Do Marketplace plans here include Jupiter Medical Center?
It depends on the plan and the year. Look the hospital up in each plan's provider directory before you pick one.