West Palm Beach
West Palm Beach is the county seat, and Bernard Health Group Inc. works with residents, self-employed workers and small businesses across the city — downtown and the north end, the historic neighborhoods, and the communities west of the interstate.
No obligation. No cost to you. We never sell your information.
West Palm Beach has one of the most varied workforces in the county — hospital and healthcare staff, city and county employees, hotel and restaurant workers, construction crews, and a growing number of people who work for themselves.
Those jobs come with very different coverage situations, and most of the people we help are not choosing between two employer plans. They are choosing between paying for coverage and going without it.
Hospitality hours rise and fall with the season, and contract work ends without much notice. If your coverage ended — or your hours dropped below what qualifies for a group plan — a Special Enrollment Period is generally open for 60 days from the date coverage ends.
We handle that application quickly, because the whole value of the window is that it does not stay open.
Rideshare and delivery drivers, tradespeople, salon and barbershop owners, cleaning services, home health aides and independent contractors all face the same problem: no group plan, and income that is hard to predict.
Eligibility for premium tax credits is based on the household income you expect for the coverage year. We build that estimate with you and revisit it if the year does not go as planned.
For families, we compare household deductibles, pediatric coverage and prescription tiers, and we check whether children may be eligible for Florida KidCare — which is often the better answer and is not something we sell.
If you are already enrolled and a child is added to the household, that is a qualifying life event. Tell us and we will update the application so the coverage starts when it should.
We keep extended hours on weekdays and are available on weekends, because the people who need this most are often the least able to take an afternoon off. Most of the work can be done by phone, email or video, and you will always talk to a licensed agent rather than a call center.
For working families, term coverage is usually the cheapest way to make sure a mortgage and a household income survive. For clients later in life, a small permanent policy keeps funeral costs from landing on the children. We will size either one honestly rather than sell you the largest policy you can technically afford.
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