Updated April 2026 · Florida Plan Finder · Licensed Florida Health Insurance Producer

How to Offer Health Insurance to Employees in Palm Beach County, Florida

Palm Beach County small businesses — from Boca Raton's financial and technology firms and West Palm Beach's growing professional services sector to Delray Beach's hospitality economy and Lake Worth's service businesses — can set up group health insurance through a well-established process. Florida Blue, Aetna, UnitedHealthcare, and Oscar all compete for Palm Beach County small group business. Palm Beach Health Network, Good Samaritan Medical Center, and JFK Medical Center anchor the county's carrier networks.

Steps to Set Up Group Coverage in Palm Beach County

1. Confirm eligibility. 2+ enrolled W-2 employees. 70% participation required. Palm Beach County has no local insurance requirements beyond Florida state rules.
2. Get quotes. Florida Blue, Aetna, UHC, and Oscar are all active in the Palm Beach County small group market. PPO plans are more commonly requested here than in some Florida markets due to the professional services workforce.
3. Set contribution level. Palm Beach County employers commonly pay 65–80% of employee-only premiums. Premium costs are higher than Central Florida but the 100% tax deduction provides significant offset.
4. Enroll. Complete carrier application; coverage starts 1st of the following month.

Palm Beach County Small Group Premium Ranges