Bernard Health Group Inc.Independent Insurance Agency
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Delray Beach

Health Insurance in Delray Beach, Florida

Bernard Health Group Inc. works with Delray Beach residents, seasonal visitors and small business owners — from the beach and Atlantic Avenue out to the western communities off Military Trail — comparing health, life and ancillary coverage with a licensed local agent.

Get your free insurance quote Call 561-275-4434

No obligation. No cost to you. We never sell your information.

A Downtown That Runs on Small Business

Atlantic Avenue and Pineapple Grove are lined with businesses that employ a handful of people: restaurants, galleries, salons, boutique retail, studios and professional offices. Almost none of them offer a group health plan, and the owners are usually covering themselves before they cover anyone else.

We help those owners price individual coverage against a small group plan, and we say plainly when a group plan is more paperwork than it is worth at that size.

Seasonal Residents and Part-Year Coverage

Delray has a large population that splits the year between Florida and the Northeast or Midwest. For those households the first question is not the premium — it is whether the plan's network covers them where they actually spend their time.

We go through where you receive care, how long you are in each place, and what happens if you need a specialist while you are away. If you are on Medicare, we will tell you plainly when a Marketplace plan is not the right tool for you.

Coverage Between Jobs and Between Seasons

Hospitality and tourism work moves with the season, and contracts end without much warning. Losing job-based coverage generally opens a Special Enrollment Period for 60 days from the date it ends — and that window is easy to miss when you are focused on the next paycheck.

If COBRA was offered, we price it honestly against a Marketplace plan. For many households the Marketplace option is significantly less expensive once eligibility for financial help is taken into account.

Retirees and Final Expense

Delray Beach skews older, and the calls we get reflect it — final expense policies so a funeral never becomes a family fundraiser, and small whole life policies for a spouse who will lose part of a pension.

For clients who already have coverage through a former employer, we check what converts and what expires before recommending anything new.

Checking Your Doctors Before You Enroll

This is the step people skip, and it is the one that causes the most expensive mistakes. Before we recommend a plan we confirm whether the physicians and facilities you actually use — Delray Medical Center, Bethesda, or a specialist you have seen for years — are in its network.

Prescriptions get the same treatment. We check each medication against the plan's formulary and tier before you enroll, not after the pharmacy tells you it is not covered.

Delray Beach FAQs

Service areas and coverage

One conversation

Every option on the table.
Then you decide.

Tell us what you're protecting. We'll come back with real numbers from real carriers — and you choose what happens next.

Get my free quote Call 561-275-4434

No obligation · No cost to you · Your information stays private