What Small Group Health Insurance Costs in Palm Beach County (2026)
Palm Beach County rates are 10–15% above Central Florida — elevated South Florida pricing but meaningfully below Miami-Dade. The county's strong healthcare network (Jupiter Medical Center, Cleveland Clinic, Palm Beach Gardens Medical Center, Good Samaritan) and competitive carrier presence keep premiums from reaching Miami-Dade levels. The tables below show employer cost at 50% single-employee contribution.
Shopping group health for your team
Palm Beach County Premium Ranges by Group Size
| Group Size | Bronze (avg age 38) | Silver | Gold |
|---|---|---|---|
| 3 employees | $390–$528/mo | $498–$675/mo | $600–$815/mo |
| 5 employees | $650–$880/mo | $830–$1,125/mo | $1,000–$1,355/mo |
| 8 employees | $1,040–$1,410/mo | $1,330–$1,800/mo | $1,600–$2,165/mo |
| 10 employees | $1,300–$1,760/mo | $1,660–$2,245/mo | $2,000–$2,705/mo |
Net Cost After SHOP Credit — Palm Beach County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $32k, Bronze | $765/mo | 45% | $421/mo |
| 8 employees, avg wage $44k, Bronze | $1,225/mo | 28% | $882/mo |
| 10 employees, avg wage $57k, Silver | $1,955/mo | 8% | $1,799/mo |
Palm Beach County's North-South Premium Gradient: Palm Beach County spans from Jupiter and Palm Beach Gardens in the north to Boca Raton and Delray Beach in the south. Employee home addresses in the northern portion of the county (near the Martin County line) tend to rate the same as the rest of Palm Beach County — the entire county is one ACA rating area. However, employers near the Broward County border in Boca Raton or Delray Beach should be aware that if employees live across the county line in Broward, those employees' premiums would be slightly lower. Employee residence, not work location, governs premium in Florida ACA group plans.
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We provide exact premium quotes for Palm Beach County groups. Call or use the form. Florida License #L088529.