Health Insurance in Palm Bay, FL

Health Insurance in Palm Bay, FL

Residents of Palm Bay can compare marketplace health plans from Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina Healthcare, Oscar Health. The leading carrier in Palm Bay is Florida Blue. Palm Bay is in Brevard County on Florida's Space Coast, primarily served by Health First, the dominant health system in Brevard County.

2026 Plan Data for Residents in Palm Bay

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

• Palm Bay sits in Brevard County, where 8 carrier(s) have filed 152 plans for 2026: Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Florida Health Care Plans, Health First Commercial Plans, and others.
• Plan types available to Palm Bay residents: EPO, HMO, POS, PPO.
• One of the lower-cost Silver options is Silver Value 1815 + Adult Dental + Adult Vision ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) from Health First Commercial Plans — $597/month at age 40 with a $4,700 deductible and $25 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 Palm Bay, FL

• Parrish Medical Center (Titusville)
• Health First Holmes Regional Medical Center (Melbourne)
• Health First Viera Hospital (Viera)

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

Urgent Care Centers in Palm Bay

• Health First Express Care Palm Bay
• Parrish Urgent Care
• FastMed Urgent Care Palm Bay

ACA Subsidies for Palm Bay Residents

At 377% of the Federal Poverty Level, residents earning around the Palm Bay median income of $59,000 qualify for ACA premium tax credits on the marketplace. Under current subsidy rules, the most a single adult at this income pays for a benchmark Silver plan is $418 per month, and most enrollees pay less after plan-level cost-sharing reductions.

Palm Bay 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.

Palm Bay Health Insurance Market Profile

• Population: 120K
• County: Brevard County
• Median Household Income: $59,000 (~377% of the 2026 FPL)
• Marketplace: healthcare.gov