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West Palm Beach · Palm Beach County

West Palm Beach health insurance broker. Help for a growing city.

Free, licensed help for people in West Palm Beach and Palm Beach County. New to the area or shopping again this year? We check your tax credit, your doctors, and the full-year cost before you choose.

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Common questions

A growing city
still leaves gaps.

About 16 in 100 people under 65 in Palm Beach County had no health insurance in 2024. That is higher than the Florida rate. Here are three common questions for people who live in West Palm Beach.

“I just moved to West Palm Beach. Can I sign up now?”

Moving to a new ZIP code or county may let you sign up outside open enrollment. You usually have 60 days after the move. Some moves have extra rules, so we check with you.

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

Maybe not. As of October 4, 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.

“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.

Palm Beach County by the numbers

How Palm Beach County
shops for coverage.

West Palm Beach is the largest city in Palm Beach County. Here is what the latest numbers show.

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.

109,559

people with a West Palm Beach ZIP code picked a 2026 Marketplace plan.

+8.4%

West Palm Beach's growth from 2020 to 2025, to about 127,200 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 West Palm Beach.

Daniels Health Advisors is an independent brokerage, so we are not tied to one insurance company. We pull up the Palm Beach County plans you can buy. Then we check each one for your doctors, the hospital you would use, and what you may pay over a full year.

Clear answers, no pressure
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 simple steps.

Tell us who needs coverage

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

Check for a tax credit

We use your best guess of next year's household income to see what help you may get.

Check your doctors, then choose

We look up your doctors, hospital, and medicines in each plan. Then you make the choice.

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

Coverage that matches
where you are now.

If your address or income changed and no one updated your application, you could see the wrong plans or owe money at tax time. Skipping the network check can also leave you with a surprise bill. What you get from the call:

Your county confirmed, so you see the right Palm Beach County plans
A yes or no for each of your doctors and your hospital, plan by plan
A tax credit estimate, and a reminder to update it after a move or an income change
Sign-up done by December 15, 2026 (the deadline under current law), in time for a January 1, 2027, start once you pay the first premium

Hospitals in West Palm Beach

Whether a plan pays for care at a Palm Beach County hospital depends on its network. Before you pick a plan, search its directory for the hospital you want.

Good Samaritan Medical CenterWest Palm Beach
St. Mary's Medical CenterWest Palm Beach

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

Straight answers

West Palm Beach 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.

I just moved to West Palm Beach. Can I get coverage now?

You may. Moving to a new ZIP code or county can qualify you for a Special Enrollment Period. You usually have 60 days from the move to pick a plan. Some moves have extra rules, so ask us to check your situation.

Is Good Samaritan Medical Center in every plan?

Don't assume it is. Each plan picks its own hospitals and doctors, and most Palm Beach County plans are HMOs. Look up the hospital in each plan's directory before you enroll.

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.

What if my income is very low?

As of October 4, 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 4, 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 West Palm Beach 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 4, 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. West Palm Beach / Palm Beach County / South Florida.

West Palm Beach health insurance broker. Help for a growing city.

A growing citystill leaves gaps.

How Palm Beach Countyshops for coverage.

A licensed advisorfor West Palm Beach.