- 9carriers selling 2026 marketplace plans in Palm Beach County
- 195plans on the Palm Beach shelf, from 64 bronze to 47 gold
- $676benchmark silver for a 40 year old in Palm Beach, full price per month
Who sells marketplace plans in Palm Beach County
Nine companies sell in Palm Beach, against ten in the busiest Florida county I track and four in the thinnest. The biggest lineup in Palm Beach belongs to Florida Blue with 68 plans, about 35 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 68 | 23 | 23 | 12 | 10 | EPO 19, HMO 25, POS 10, PPO 14 |
| Ambetter Health | 26 | 8 | 10 | 8 | 0 | HMO 26 |
| Molina Healthcare | 19 | 7 | 5 | 7 | 0 | HMO 19 |
| UnitedHealthcare | 17 | 6 | 7 | 4 | 0 | HMO 17 |
| CignaCigna HealthCare of Florida, Inc., Cigna Healthcare Leaving for 2027 | 15 | 4 | 6 | 5 | 0 | EPO 10, HMO 5 |
| OscarOscar Health Maintenance Organization of Florida | 15 | 6 | 7 | 2 | 0 | HMO 15 |
| AvMed | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| Wellpoint | 13 | 4 | 4 | 4 | 0 | HMO 13 |
| AmeriHealth Caritas Next | 8 | 3 | 3 | 2 | 0 | HMO 8 |
Palm Beach plan counts from the CMS 2026 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.
Leaving Palm Beach County for 2027
Cigna sells 15 of the 195 plans in Palm Beach County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. After that exit, eight carriers are left from the 2026 Palm Beach lineup: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare, Oscar, AvMed, Wellpoint and AmeriHealth Caritas Next. If you are enrolled with Cigna in Palm Beach, you will get a notice this fall. 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.
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 | $388 | $496 | $1,053 | $992 | $1,585 |
| Lowest silver | $528 | $674 | $1,432 | $1,348 | $2,156 |
| Benchmark silver (second lowest) | $529 | $676 | $1,436 | $1,353 | $2,163 |
| Lowest gold | $483 | $617 | $1,310 | $1,234 | $1,972 |
| Lowest platinum | $815 | $1,041 | $2,211 | $2,083 | $3,329 |
Benchmark silver is the second lowest of the 70 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, $617 a month, is $57 cheaper than the cheapest silver plan at $674. 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 $3,000.
In Palm Beach County the benchmark is $181 above the cheapest bronze at age 40, and 38 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 $676 benchmark minus what the government expects you to pay from your income. A 40 year old in Palm Beach whose expected share is $181 a month or less would pay nothing for the cheapest bronze. At 60 the Palm Beach gap grows to $383 and at 21 it shrinks to $141, 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 $5 a month at 40 and the cheapest bronze by $5. 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 | 1 | 0 | |
| Bronze | 7 | 0 | $6,150 to $10,600 |
| Expanded Bronze | 57 | 18 | $0 to $10,150 |
| Silver | 70 | 0 | $400 to $9,500 |
| Gold | 47 | 6 | $0 to $3,000 |
| Platinum | 13 | 11 | |
| Total | 195 | 35 |
By network type the 195 Palm Beach plans break down as 142 HMO, 29 EPO, 14 PPO and 10 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. 35 plans in Palm Beach have a $0 medical deductible (18 expanded bronze, 11 platinum and 6 gold). The 18 bronze ones among them still have out of pocket maximums of $9,900 to $10,600, 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 $676 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 2026 plans and prices for Palm Beach County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Palm Beach numbers then. 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.
Questions about Palm Beach County coverage
How many health insurance companies sell marketplace plans in Palm Beach County, Florida?
For 2026, nine carriers sell individual marketplace plans in Palm Beach County: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare, Cigna, Oscar, AvMed, Wellpoint and AmeriHealth Caritas Next. Together they offer 195 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 $388 a month for a 21 year old, $496 at 40 and $1,053 at 60. In Palm Beach a couple both aged 40 pays $992 for the cheapest bronze, and two 40 year olds with two children pay $1,585. Catastrophic plans in Palm Beach, open only to people under 30 or with a hardship exemption, start at $384 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $676 a month for a 40 year old in Palm Beach County before subsidies. In Palm Beach it is $529 at age 21 and $1,436 at age 60, and the lowest silver plan is $674 at 40.
Which insurance companies are leaving Palm Beach County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. In 2026 it sells 15 plans in Palm Beach County. Eight carriers from the 2026 Palm Beach lineup remain: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare, Oscar, AvMed, Wellpoint and AmeriHealth Caritas Next. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO or a $0 deductible plan in Palm Beach County?
Yes to both. 14 of the 195 plans in Palm Beach are PPOs, all from Florida Blue, and 35 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Palm Beach is $617 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 2026 (public use file), Palm Beach County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- healthinsurance.org, ACA open enrollment deadlines