Health Insurance in West Palm Beach, FL

Health Insurance in West Palm Beach, FL

Residents of West Palm Beach can compare marketplace health plans from Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina Healthcare, Oscar Health. The leading carrier in West Palm Beach is Florida Blue. West Palm Beach and Palm Beach County have a significant retiree population with Medicare and Medicare Advantage coverage, alongside a working-age population using marketplace plans.

2026 Plan Data for Residents in West Palm Beach

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

• West Palm 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 West Palm 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 in West Palm Beach, FL

• Palm Beach Gardens Medical Center (HCA)
• St. Mary's Medical Center (HCA)
• JFK University Medical Center (Atlantis, HCA)

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

Urgent Care Centers in West Palm Beach

• Palm Beach Gardens Med Center Urgent Care
• Northlake Medical Center Urgent Care
• CareSpot Urgent Care West Palm Beach

ACA Subsidies for West Palm Beach Residents

At 358% of the Federal Poverty Level, residents earning around the West Palm Beach median income of $56,000 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 $397 per month, and most enrollees pay less after plan-level cost-sharing reductions.

West Palm Beach 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.

West Palm Beach Health Insurance Market Profile

• Population: 117K
• County: Palm Beach County
• Median Household Income: $56,000 (~358% of the 2026 FPL)
• Marketplace: healthcare.gov