Health Insurance in Delray Beach, FL

Health Insurance in Delray Beach, FL

Compare Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina, Oscar Health in Delray Beach. The dominant carrier is Florida Blue. Delray Beach is an affluent Palm Beach County city. Many residents are seasonal or retired, with Medicare dominating. Working-age professionals use marketplace PPOs.

2026 Plan Data for Residents in Delray Beach

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

• Delray Beach 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 Delray Beach residents: EPO, HMO, POS, PPO.
• One of the lower-cost Silver options is Silver Simple PCP Saver from Oscar Health Maintenance Organization of Florida — $676/month at age 40 with a $5,000 deductible and $20 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

Medicare’s hospital directory lists these acute-care hospitals in Delray Beach:

• Delray Medical Center

Which plans include each hospital varies by plan and year, not just by insurer. Before you enroll, confirm that your doctors and preferred hospital are in-network for the specific plan ID you choose. We do this check for every client at no charge.

Urgent Care

• CareSpot Urgent Care
• FastTrack Urgent Care
• GoHealth Urgent Care

ACA Subsidies in Delray Beach

Residents earning 100%–400% FPL qualify for premium tax credits. Contact a broker to review eligibility.

Delray Beach Health Insurance Market Profile

• Population: 69K
• County: Palm Beach County
• Median Household Income: $60,000 (~383% of the 2026 FPL)
• Marketplace: healthcare.gov