Palm Beach County small group health insurance costs in 2026 are among the highest in Florida — second only to Miami-Dade. Bronze HMO plans range from approximately $410–$530 per employee per month, Silver HMO from $490–$625, and Gold HMO from $590–$745. Palm Beach County's elevated premiums reflect high healthcare costs, an affluent population with higher utilization of specialty services, and a concentrated provider market. With multiple carriers competing — including Florida Blue, Aetna, UHC, Oscar, and Ambetter — broker shopping can yield meaningful savings.
Related resources:
Palm Beach County Group Plans FL Cost Per Employee Guide Broward County Cost Guide| Plan Tier | Total Monthly Premium | Employer Cost (70%) | Employee Cost (30%) |
|---|---|---|---|
| Bronze HMO | $410–$530 | $287–$371 | $123–$159 |
| Silver HMO | $490–$625 | $343–$438 | $147–$188 |
| Gold HMO | $590–$745 | $413–$522 | $177–$224 |
| Bronze PPO | $490–$615 | $343–$431 | $147–$185 |
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $8,232–$10,512/year |
| 5 employees | $20,580–$26,280/year |
| 10 employees | $41,160–$52,560/year |
| 20 employees | $82,320–$105,120/year |
Palm Beach County premiums are typically 5–10% higher than Broward County on comparable plans. Both are expensive South Florida markets, but Palm Beach's higher-income demographic and specialist-heavy provider landscape drives slightly higher rates. Businesses near the Palm Beach/Broward county line are rated based on their county of business registration — for businesses with flexibility, this can be a meaningful cost factor.
Oscar and Ambetter consistently offer the lowest Bronze and Silver HMO premiums in Palm Beach County — often 10–18% below Florida Blue for the same tier. For a 10-person business, switching from Florida Blue Silver HMO to Oscar or Ambetter Silver HMO can represent $4,000–$8,000 in annual savings. Florida Blue and UHC maintain the broadest networks, including access to most Palm Beach area specialists and hospitals. A broker can compare network adequacy alongside premium differences for your specific employee locations.
At 25% effective tax rate, the after-tax employer premium cost is approximately 75% of gross premiums. For a 10-employee Palm Beach business paying $41,160–$52,560/year in Silver HMO employer contributions, after-tax cost is approximately $30,870–$39,420. Section 125 plan FICA savings on employee contributions (7.65% of employee share) provide additional reduction — for 10 employees contributing $147–$188/month each, FICA savings equal approximately $1,350–$1,720/year.
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