Health Insurance in Palm Beach County, Florida

A Countywide Practice, Not a Call Center

Palm Beach County is long and it is not one market. The coverage that makes sense in a coastal condo is not the coverage that makes sense on an acre in Loxahatchee, and the provider networks people care about differ by where they live.

We are local, so we can meet in person when that helps — and we know which plans actually work with the providers our neighbors already use.

Who We Help in Palm Beach County

The county's workforce is a mix of school and municipal employees, healthcare workers, hospitality and restaurant staff, agricultural and construction crews, and a large number of self-employed tradespeople and small business owners. Each of those groups loses coverage in a different way.

• School and municipal employees between contracts or appointments
• Hospitality and restaurant staff whose hours move with the season
• Tradespeople, landscapers and contractors with no group plan
• Families in the western communities priced out of employer coverage
• Retirees planning final expenses and small permanent policies

Coverage Between Jobs and Between Seasons

In a county built on hospitality and agriculture, work is seasonal and coverage gaps are normal. Losing job-based coverage opens a Special Enrollment Period — generally 60 days from the date your coverage ends — and that window is easy to miss when you are focused on finding the next job.

If COBRA has been 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.

Health Coverage for the Self-Employed

Realtors, landscapers, contractors, salon owners, truck drivers and consultants make up a large share of the clients we work with. Without an employer plan, the entire decision is yours — including the income estimate that determines eligibility for premium tax credits.

We build that estimate with you from business income and household earnings, and we revisit it if the year goes differently than expected.

Life Insurance and Final Expense in a Retirement County

Palm Beach County has a large retirement population, and the calls we get reflect it: final expense policies so a funeral never becomes a family fundraiser, small whole life policies for a spouse who will lose part of a pension, and term coverage for younger families still carrying a mortgage.

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

Hurricane Season and Your Coverage

Every summer we field the same questions. A storm shuts down work for a few weeks, income drops, and a household needs to revisit what it is paying for coverage. Or a family relocates temporarily and needs to know whether their plan still works where they landed.

Tell us when your situation changes. Reporting a move or an income change to the Marketplace is something we can help with, and it is far better done in the moment than discovered at tax time.