Royal Palm Beach
Bernard Health Group Inc. helps Royal Palm Beach residents compare health, life and ancillary coverage — a suburban village where most households are commuting to work elsewhere in the county and many are doing it without an employer plan.
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Royal Palm Beach is largely a residential village, and a lot of its residents drive to work somewhere else — West Palm Beach, the Gardens, the airport corridor. Many of those jobs are service, trades or contract work that never came with benefits.
Without a group plan, the coverage decision falls entirely on the household. That is where we come in, and it is usually a shorter conversation than people expect.
The village has a large share of younger families with children in school. For them the comparison is about household deductibles, pediatric coverage and prescription tiers rather than a single adult's premium.
We also check whether children may be eligible for Florida KidCare, which is often the better answer and is not something we sell. If a child is added to the household, that is a qualifying life event — tell us and we will update the application.
Landscaping, construction, cleaning services, auto repair, home trades and small retail — a lot of the local workforce is self-employed or works for a business too small to offer coverage.
For those clients the income estimate drives eligibility for premium tax credits. We build it from real earnings and revisit it if the year goes differently than expected.
Hours get cut, contracts end and jobs change. Losing job-based coverage generally opens a Special Enrollment Period for 60 days from the date it ends, and we move quickly when that clock is running.
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.
For older residents the priority is usually keeping final expenses off the children. A small permanent policy — often $5,000 to $25,000 — is usually enough to cover a funeral, burial and the loose ends, and 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.
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