Health Insurance in Boca Raton, FL

Health Insurance in Boca Raton, FL

Residents of Boca Raton can compare marketplace health plans from Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina Healthcare, Oscar Health. The leading carrier in Boca Raton is Florida Blue. Boca Raton is an affluent South Florida market with a significant population of older adults, retirees, and snowbirds. Many residents toggle between Florida and Northern state plans and need portable PPO coverage.

2026 Plan Data for Residents in Boca Raton

Here is what is actually filed and for sale in Palm Beach County for 2026.

• Boca Raton sits in Palm Beach County, where 11 carrier(s) have filed 195 plans for 2026: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna HealthCare of Florida, Cigna Healthcare, and others.
• Plan types available to Boca Raton residents: EPO, HMO, POS, PPO.
• One of the lower-cost Silver options is Silver Simple Breathe Easy with Enhanced COPD Benefits from Oscar Health Maintenance Organization of Florida — $683/month at age 40 with a $6,200 deductible and No Charge primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Local Hospitals in Boca Raton, FL

• Boca Raton Regional Hospital (Baptist Health South Florida)
• HCA Florida Bethesda Hospital East (Boynton Beach)
• Delray Medical Center (Tenet)

Verify your preferred hospital is in-network on any plan before enrolling. Contact the insurer's provider directory for confirmation.

Urgent Care Centers in Boca Raton

• Boca Raton Regional Urgent Care
• Baptist Health Urgent Care Boca Raton
• CareSpot Urgent Care

ACA Subsidies for Boca Raton Residents

At 543% of the Federal Poverty Level, residents earning around the Boca Raton median of $85,000 are above the traditional 400% FPL threshold. Under current enhanced subsidy rules, premium tax credits still apply, capping the benchmark Silver plan at $602 per month (8.5% of income).

Boca Raton residents enroll through healthcare.gov, the federal marketplace. Open Enrollment runs November 1 through January 15 each year. Special Enrollment Periods are available within 60 days of losing other coverage, marriage, birth of a child, or a move. A licensed broker can confirm your exact subsidy amount based on your income and household size before you enroll.

Boca Raton Health Insurance Market Profile

• Population: 100K
• County: Palm Beach County
• Median Household Income: $85,000 (~543% of the 2026 FPL)
• Marketplace: healthcare.gov