Don't let the gap between retirement and Medicare leave you uninsured. Palm Beach County residents in their 60s have solid ACA options — and many pay less than you'd expect.
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Palm Beach County has one of Florida's most competitive ACA markets with 5 carriers. Florida Blue covers the broadest hospital network. Ambetter from Sunshine Health and Molina Healthcare consistently offer the lowest premiums for subsidy-eligible residents. Oscar Health has strong telehealth options and appeals to younger enrollees. More competition means better rates for Palm Beach Gardens residents.
Palm Beach Gardens has a significant retiree and pre-Medicare population. For residents aged 60–64 — too young for Medicare — ACA marketplace plans are often the best coverage option. Plans cannot charge more based on pre-existing conditions, and income-based subsidies can dramatically reduce costs even for those with moderate retirement income.
Estimated monthly Silver plan premiums after federal subsidies. Actual costs vary by age, plan, and carrier.
| Household | Income Range | % of FPL | Est. Monthly Cost | Subsidy Level |
|---|---|---|---|---|
| 1 person | Under $15,060 | <100% | Medicaid (check eligibility) | Check Eligibility |
| 1 person | $15,060–$22,590 | 100–150% | $0/month | Maximum Subsidy |
| 1 person | $22,590–$37,650 | 150–250% | $0–$80/month | High Subsidy |
| 1 person | $37,650–$60,240 | 250–400% | $80–$250/month | Moderate Subsidy |
| Family of 4 | Under $31,200 | <100% | Medicaid (check eligibility) | Check Eligibility |
| Family of 4 | $31,200–$46,800 | 100–150% | $0–$30/month | Maximum Subsidy |
| Family of 4 | $46,800–$78,000 | 150–250% | $30–$200/month | High Subsidy |
| Family of 4 | $78,000–$124,800 | 250–400% | $200–$600/month | Moderate Subsidy |
Based on 2026 Federal Poverty Level guidelines. Florida did not expand Medicaid — residents below 100% FPL without dependent children may not qualify for Medicaid. Actual amounts vary by age and plan. Get your exact numbers →
"I'd been going without insurance for two years — thought I couldn't afford it. Filled out the form on my lunch break and got a call in 20 minutes. Ended up on an Ambetter plan for $38 a month. Couldn't believe it."
"The agent walked me through every plan available in my ZIP code without rushing me at all. She explained the difference between Silver and Gold in plain English. We found a Florida Blue plan that covers my regular doctor. Super helpful service."
In Palm Beach County, ACA plan premiums run $175–$650/month unsubsidized; $0–$60/month with typical subsidies. Most residents who apply qualify for premium tax credits based on income. A single adult earning $30,000/year typically pays $0–$40/month after subsidies. Use the form above to see your exact cost.
Palm Beach County has 5 ACA marketplace carriers: Florida Blue, Ambetter from Sunshine Health, Molina Healthcare, Oscar Health, Bright Health. Florida Blue generally has the broadest hospital network. Ambetter and Molina (where available) typically offer lower premiums for income-eligible residents. Compare all available plans before enrolling — the best option depends on your doctors and budget.
Many Palm Beach Gardens residents qualify for plans at $0 or very low monthly cost. A single adult earning under $36,000/year and a family of four earning under $62,000/year typically qualify for significant premium tax credits. Fill out the 2-minute form above to check your specific eligibility — there's no cost and no obligation.
Open Enrollment runs November 1 through January 15 each year. Outside of that window, you can enroll during a Special Enrollment Period if you've had a qualifying life event: losing a job, getting married, having a child, moving to Palm Beach Gardens, or losing Medicaid coverage. If you're unsure whether you qualify, call us — it takes about 5 minutes to find out.
ACA marketplace plans are typically the best option for pre-Medicare residents in Palm Beach Gardens. Plans cannot charge more based on pre-existing conditions, and premium tax credits can significantly reduce costs for residents with moderate retirement income. A 62-year-old earning $30,000/year in Palm Beach County often pays under $100/month.
Browse ACA plan guides for other Florida cities and counties.
Free service. Licensed Florida agents. Takes 2 minutes. Many Palm Beach Gardens residents are surprised at how affordable coverage can be.
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