Northwood Village
Bernard Health Group Inc. helps Northwood Village residents and business owners — along Northwood Road and through the surrounding historic West Palm Beach neighborhoods — compare health, life and ancillary coverage with a licensed local agent.
No obligation. No cost to you. We never sell your information.
Northwood Village is a compact district of galleries, studios, restaurants, salons and independent shops, surrounded by historic bungalow neighborhoods. Most of the businesses are one or two people, and almost none carry a group health plan.
For owners, the coverage decision is personal and the budget is tight. We compare individual plans honestly and tell you when the cheapest option is a false economy because it excludes the providers you use.
The neighborhoods around Northwood are older housing stock with a mix of long-time owners, younger buyers and renters. Many households here work in hospitality, healthcare support, the trades or the service sector — often without employer benefits.
Without a group plan, the entire decision belongs to the household. That is where we come in.
Losing job-based coverage generally opens a Special Enrollment Period for 60 days from the date coverage ends. In a neighborhood where work changes often, that window matters more than most people realize.
If your household income falls below the Florida Medicaid threshold, the Marketplace application routes to Medicaid instead. That is a real option, not a rejection, and we will walk you through it.
If you run a studio, a shop or a restaurant here, you are probably solving your own coverage before anyone else's. We help owners compare individual plans against small group options and say plainly when a group plan is more paperwork than it is worth at your size.
We also work with owners who want a small life policy tied to a business obligation or a key person.
Many clients in these neighborhoods are more concerned about not leaving a bill behind than about replacing an income. A small permanent policy — often $5,000 to $25,000 — is usually enough to cover a funeral, burial and the loose ends.
Most are approved on health questions alone with no medical exam, premiums are locked for life, and the coverage cannot be cancelled as long as you pay it.
One conversation
Tell us what you're protecting. We'll come back with real numbers from real carriers — and you choose what happens next.
No obligation · No cost to you · Your information stays private