- 7carriers selling 2027 marketplace plans in Palm Beach County
- 165plans on the Palm Beach shelf, from 56 bronze to 38 gold
- $760benchmark silver for a 40 year old in Palm Beach, full price per month
Who sells marketplace plans in Palm Beach County
Seven companies sell in Palm Beach, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 71 of the 165 plans in Palm Beach, 43 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 71 | 25 | 24 | 13 | 8 | EPO 19, HMO 27, POS 11, PPO 14 |
| OscarOscar Health Maintenance Organization of Florida | 20 | 8 | 8 | 4 | 0 | HMO 20 |
| UnitedHealthcare | 19 | 7 | 7 | 5 | 0 | HMO 19 |
| Ambetter Health | 18 | 5 | 7 | 6 | 0 | HMO 18 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AvMed | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| AmeriHealth Caritas Next | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Palm Beach plan counts from the CMS 2027 landscape file (county FIPS 12099, Rating Area 50). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Palm Beach County for 2027
Molina Healthcare and Cigna together sold 34 of the 195 plans in Palm Beach County in 2026 and have no plans here in the 2027 CMS file. If you were enrolled with either company, you should have a notice by now. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions. Palm Beach now has seven carriers and 165 plans, against nine carriers and 195 plans in 2026.
What it costs in Palm Beach County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Palm Beach plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Palm Beach pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $444 | $567 | $1,204 | $1,134 | $1,813 |
| Lowest silver | $593 | $758 | $1,611 | $1,517 | $2,425 |
| Benchmark silver (second lowest) | $594 | $760 | $1,613 | $1,520 | $2,429 |
| Lowest gold | $550 | $703 | $1,493 | $1,406 | $2,247 |
| Lowest platinum | $887 | $1,134 | $2,408 | $2,268 | $3,625 |
Benchmark silver is the second lowest of the 58 silver premiums listed for Palm Beach. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Palm Beach County
The gold row is the surprise in Palm Beach County. The cheapest gold plan for a 40 year old, $703 a month, is $56 cheaper than the cheapest silver plan at $758. That happens because Florida carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Palm Beach shelf, and a gold deductible here tops out at $2,500.
In Palm Beach County the benchmark is $193 above the cheapest bronze at age 40, and 36 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $760 benchmark minus what the government expects you to pay from your income. A 40 year old in Palm Beach whose expected share is $193 a month or less would pay nothing for the cheapest bronze. At 60 the Palm Beach gap grows to $409 and at 21 it shrinks to $151, which is why older enrollees are the ones most likely to find a $0 plan.
Prices barely differ between Palm Beach and nearby Broward County. The benchmark differs by $1 a month at 40 and the cheapest bronze by $15. 22 Health sells in Broward County and not in Palm Beach.
Palm Beach plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 4 | 0 | $8,500 to $12,000 |
| Expanded Bronze | 52 | 12 | $0 to $10,150 |
| Silver | 58 | 2 | $0 to $11,925 |
| Gold | 38 | 8 | $0 to $2,500 |
| Platinum | 11 | 9 | |
| Total | 165 | 31 |
By network type the 165 Palm Beach plans break down as 121 HMO, 19 EPO, 14 PPO and 11 POS. Only 14 are PPOs, and every one of them comes from Florida Blue. If seeing specialists without a referral matters to you, that narrows the Palm Beach shelf to one company. 31 plans in Palm Beach have a $0 medical deductible (12 expanded bronze, 9 platinum, 8 gold and 2 silver). The 12 bronze ones among them still have out of pocket maximums of $12,000, so a $0 deductible does not mean a small bill.
Every Palm Beach price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Palm Beach the premium tax credit is measured against the $760 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Palm Beach numbers for you.
2027 plans for Palm Beach County
These are the 2027 plans and prices for Palm Beach County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Florida runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Palm Beach plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Palm Beach County coverage
How many health insurance companies sell marketplace plans in Palm Beach County, Florida?
For 2027, seven carriers sell individual marketplace plans in Palm Beach County: Florida Blue, Oscar, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 165 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Palm Beach County?
At full price before any subsidy, the cheapest bronze plan in Palm Beach County is $444 a month for a 21 year old, $567 at 40 and $1,204 at 60. In Palm Beach a couple both aged 40 pays $1,134 for the cheapest bronze, and two 40 year olds with two children pay $1,813. Catastrophic plans in Palm Beach, open only to people under 30 or with a hardship exemption, start at $363 at age 21. Most people in Palm Beach who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Palm Beach County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $760 a month for a 40 year old in Palm Beach County before subsidies. In Palm Beach it is $594 at age 21 and $1,613 at age 60, and the lowest silver plan is $758 at 40.
Which insurance companies left Palm Beach County for 2027?
Molina Healthcare and Cigna sold 34 plans in Palm Beach County in 2026 and have no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Florida Blue, Oscar, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next. No new carrier entered for 2027.
Can I get a PPO or a $0 deductible plan in Palm Beach County?
Yes to both. 14 of the 165 plans in Palm Beach are PPOs, all from Florida Blue, and 31 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Palm Beach is $703 a month before subsidies.
More for Palm Beach County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Palm Beach compares with the other 78 counties and parishes I track
- Estimate a Palm Beach subsidy
Get your Palm Beach County quote
Send me your ZIP and who needs coverage and I will compare every Palm Beach plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), Palm Beach County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines