The historic Boca Raton Old City Hall building on a clear day

Boca Raton · Palm Beach County

Boca Raton health insurance broker. A long list, sorted for you.

Free, licensed help for people in Boca Raton and Palm Beach County. With many companies and plans on the list, we start with your doctors, then compare tax credit and full-year cost.

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Common questions

Many companies.
Many plans to sort.

In 2026, Palm Beach County had 195 Marketplace plans from 9 companies. Here are three common questions for people who live in Boca Raton.

“There are so many plans. Where do I start?”

Start with your doctors. In 2026, Palm Beach County had 195 Marketplace plans from 9 companies. We first keep only the plans that include the doctors and hospital you use. Then we compare cost.

“Is my hospital in the plan?”

In 2026, 142 of Palm Beach County's 195 Marketplace plans were HMOs. An HMO usually pays only for doctors and hospitals in its network, except in an emergency.

“Will my tax credit be the same as last year?”

Maybe not. As of October 5, 2026, under current law, the extra help some people got in past years ended after 2025, and Congress has not brought it back. If your income is over 400% of the poverty level, you generally can't get a tax credit. Near that level, your credit may be small.

Palm Beach County by the numbers

How Palm Beach County
shops for coverage.

Here is what the latest numbers show for Boca Raton and Palm Beach County.

332,402

people in Palm Beach County picked a 2026 Marketplace plan during open enrollment.

94 in 100

of those Palm Beach County shoppers got a tax credit in 2026.

195 plans

from 9 insurance companies were on Palm Beach County's 2026 list.

49,493

people with a Boca Raton ZIP code picked a 2026 Marketplace plan. These ZIP codes reach past city limits.

+4.2%

Boca Raton's growth from 2020 to 2025, to about 101,600 people.

About 16 in 100

people under 65 in Palm Beach County had no health insurance in 2024. The Florida rate was about 14 in 100.

Sources: CMS 2026 Open Enrollment data (county and ZIP code files) and 2026 plan data, and U.S. Census Bureau (2025 population estimates and 2024 health insurance estimates). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

A licensed advisor
for Boca Raton.

Daniels Health Advisors is an independent brokerage, so we are not tied to one insurance company. With 9 companies selling plans here in 2026, there is a lot to sort through. We line up the Palm Beach County plans you can buy. Then we check your doctors, your hospital, and the total cost for the year.

Patient answers, at your own pace
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

How it works

Three steps to compare.

Tell us who needs coverage

Share everyone's age and your home ZIP code in Boca Raton or Palm Beach County.

Check for a tax credit

Give us your best guess of next year's household income. That is how we estimate your tax credit.

Start with your doctors

We keep only the plans that include your doctors, hospital, and medicines. Then you choose.

Book a 15-minute call

Free · No obligation · About a 15-minute call

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What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

A long list,
made clear.

If you pick from 195 plans by monthly price alone, you may miss what matters most. Your doctor might not be in the plan, or the deductible may be more than you expected. Here is what you take away from our call:

Your doctors and hospital looked up in each plan you are thinking about
A tax credit estimate you understand, and a plan to update it if your income changes
Monthly price, deductible, and copays for each plan in one view
A plan chosen by December 15, 2026 (the deadline under current law), so coverage can begin January 1, 2027, after the first premium is paid

Hospitals in Boca Raton

Hospital networks change from one Palm Beach County plan to the next. Search each plan's directory for the ones you use before you choose.

Boca Raton Regional HospitalBoca Raton
West Boca Medical CenterBoca Raton

This is not a list of in-network hospitals for any plan. Networks can change each year.

Straight answers

Boca Raton health insurance questions.

Which companies offered Marketplace plans in Palm Beach County for 2026?

Palm Beach County plans for 2026 came from 9 companies: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue, Molina Healthcare, Oscar, UnitedHealthcare, and Wellpoint. The 2027 list should be posted around November 1, 2026, when open enrollment starts.

Is Boca Raton Regional Hospital in every plan?

Don't assume it is. Each plan sets its own network, and most Palm Beach County plans are HMOs. Search for the hospital in each plan's directory before you enroll. We can search with you.

Can I get a PPO in Palm Beach County?

A few. Of Palm Beach County's 195 Marketplace plans for 2026, 14 were PPOs. Another 29 were EPOs and 10 were POS plans, and each type treats out-of-network doctors differently. If your tax credit is small or zero, a private PPO plan may be another option to look at. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

My income changes from month to month. What should I put on my application?

Use your best honest guess for the whole year. If your income goes up or down during the year, update your application quickly. That helps keep your tax credit closer to right, so you are less likely to owe money at tax time.

What if my income is very low?

As of October 5, 2026, Florida has not expanded Medicaid. Some adults with income below the poverty level do not qualify for Medicaid or for a tax credit. It is still worth applying, because children, pregnant women, and people with disabilities may qualify. Community health centers also charge based on what you can pay.

When is open enrollment for 2027 coverage?

As of October 5, 2026, under current law, you can sign up from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15. Outside those dates, you usually need a life event, such as a move or losing other coverage. Our Florida open enrollment guide has the details.

Open enrollment starts November 1

Comparing plans in Boca Raton or Palm Beach County?

Set up a free 15-minute call, or start a quote online. No pressure, and no obligation to enroll.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 5, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, FLOIR, or a carrier. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. Official: HealthCare.gov. Verify licensing via NPN. Boca Raton / Palm Beach County / South Florida.

Boca Raton health insurance broker. A long list, sorted for you.

Many companies.Many plans to sort.

How Palm Beach Countyshops for coverage.

A licensed advisorfor Boca Raton.