Lake Worth · Palm Beach County
ACA and Obamacare Health Insurance in Lake Worth, FL
Shopping for 2027 Marketplace coverage? We help Lake Worth individuals and families compare plans, check premium tax credits, and enroll before the deadline. The help is free, in person or by phone.
2027 Open Enrollment dates
- November 1, 2026Open Enrollment begins
- December 15, 2026Enroll by this date for coverage starting January 1, 2027
- January 15, 2027Open Enrollment ends. If you enroll between December 16 and January 15, coverage generally starts February 1.
Outside these dates, you may still be able to enroll after a qualifying life event, such as losing other coverage, moving, getting married, or having a baby.
How Marketplace savings work
Premium tax credits can lower your monthly premium, based on your estimated household income and household size. Some people also qualify for cost-sharing reductions that lower deductibles and copays on certain Silver plans. Some qualify for a $0 monthly premium plan, if they qualify. Savings are not guaranteed and depend on your eligibility.
Household income examples that often qualify for tax credits
For 2027 coverage, the Marketplace uses the 2026 federal poverty guidelines. According to HealthCare.gov, households with income between 100% and 400% of the federal poverty level may qualify for premium tax credits. Approximate yearly household income ranges:
| People in household | Approximate yearly household income |
|---|---|
| 1 | $15,960 to $63,840 |
| 2 | $21,640 to $86,560 |
| 3 | $27,320 to $109,280 |
| 4 | $33,000 to $132,000 |
| 5 | $38,680 to $154,720 |
Examples:
- A self-employed person who expects to earn about $30,000 in 2027 falls within the range for 1 person.
- A couple with two children who expect about $60,000 in 2027 falls within the range for 4 people.
These are examples, not a promise. Being in the range does not guarantee a specific amount of savings, which depends on your income, household size, age, ZIP code, and immigration status. We show you the real numbers when we review your application.
Florida has not expanded Medicaid. If your household income is below 100% of the federal poverty level, you may not qualify for Marketplace savings, and it’s worth a careful review of your options. We’ll do it with you.
Important 2027 change based on immigration status
According to HealthCare.gov, starting January 1, 2027, the only noncitizens who qualify for Marketplace savings are lawful permanent residents (green card holders), Cuban or Haitian entrants, and COFA migrants. Other lawfully present people, such as those with TPS, can still buy a Marketplace plan, but without tax credits. Bring your documents and we’ll review your situation with you. We do not give immigration advice.
Carriers we represent
We compare plans from the carriers we represent in Palm Beach County, so you can see options side by side in one appointment. We do not offer every plan available in your area.
Your hospital and your doctors
Many people in and around Lake Worth use hospitals such as HCA Florida JFK Hospital (formerly JFK Medical Center), Good Samaritan Medical Center, and Bethesda Hospital East and West. Networks change by plan and carrier, and no plan automatically includes a particular hospital. Before you choose, we check whether your hospital and doctors are in that plan’s network.
What we compare for you
- Monthly premium after estimated tax credits
- Deductible and out-of-pocket maximum
- Doctor and hospital networks near Lake Worth
- Prescription coverage
- Metal level (Bronze, Silver, Gold) and what it means for your costs
Who we help
- Self-employed workers and small-business owners
- Families without job-based coverage
- People between jobs
- Early retirees not yet on Medicare (already on Medicare? See our Medicare page)
- Anyone whose income changed and needs to update a plan
What to have ready
- Estimated 2027 household income
- Names and dates of birth for everyone applying
- Immigration documents, if they apply
- Current plan information, doctors, and prescriptions
Frequently asked questions
What’s the difference between ACA, Obamacare, and the Marketplace?
They describe the same thing: health plans offered through the federal Marketplace under the Affordable Care Act.
Could I qualify for a $0 premium plan?
You may qualify based on income, household, and ZIP code. We check during your free review. Savings are not guaranteed.
What if my income changes during the year?
Update your application, because changes can affect your tax credit. Call us and we’ll help.
I have TPS. Can I get tax credits in 2027?
According to HealthCare.gov, starting in 2027 people with TPS can buy a Marketplace plan but do not qualify for tax credits or cost-sharing reductions. We review your situation and options.
I missed the deadline. Can I still enroll?
You may qualify for a Special Enrollment Period after certain life events. Call (561) 410-5850.
Do you charge for help?
No. Our help comparing plans and enrolling is free to you.
Can you check if my doctor or hospital is in network?
Yes. Bring your doctors’ and hospital names, and we’ll check plan directories with you.