Boca Raton's office parks once housed the IBM team that built the first PC, and the city still runs on corporate campuses, financial firms, and Florida Atlantic University. It also runs on people who have left those payrolls: consultants, early retirees, and business owners who need individual coverage in a state with unusually flexible short-term rules.
The rules here
| Max initial term (short-term) | Less than 12 months |
| Max total duration | 36 months (Fla. Stat. 627.6426) |
| Products available | ACA marketplace, short-term, extended short-term, fixed indemnity, supplemental |
| Exchange type | Federal marketplace (HealthCare.gov) |
| Medicaid expansion | No |
What's available in Boca Raton
| Coverage line | Available here | Key limit | Learn more |
|---|---|---|---|
| ACA marketplace plans | Yes | Open enrollment or a qualifying event | ACA plans |
| Short-term medical | Yes | Initial term under 12 months | Short-term |
| Extended short-term (multi-year) | Yes | Up to 36 months total | Extended plans |
| Fixed indemnity | Yes | Pays set cash amounts, not a substitute for major medical | Fixed indemnity |
| Supplemental (accident, critical illness, dental, vision) | Yes | Pairs with other coverage | Accident · Critical illness · Dental · Vision |
Short-term and fixed indemnity plans are not ACA compliant and do not count as minimum essential coverage. They are medically underwritten and typically exclude pre-existing conditions.
What one person pays for coverage in Florida
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
| Coverage type | Monthly premium (individual) | What that number is |
|---|---|---|
| ACA marketplace (before subsidy) | $806 avg. | State average, before tax credits (CMS Marketplace OEP, 2026).1 |
| ACA marketplace (after average subsidy) | $62 after credit | State average, after the average tax credit, among subsidized enrollees (CMS Marketplace OEP, 2026).1 |
| Employer coverage (single / family) | $751 / $2067 single / family | State average total monthly premium, single / family; employee pays about $148/mo toward single coverage (MEPS-IC, 2024).2 |
| Medicaid | $0 or nominal for those who qualify | Program design, not an average; eligibility is income-based5 |
| Fixed indemnity | $211.93 mean | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Accident | sec-39.04 median | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Critical Illness | sec-34.44 median | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Dental | $46.00 mean | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
Boca Raton has a deep bench of self-employed professionals, and for them the individual marketplace benchmark above is the anchor number. Subsidy eligibility depends on household income and size for the year; estimates are not guarantees, and a licensed agent can run the real figures.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Boca Raton at a glance
Boca Raton sits in southern Palm Beach County with an economy weighted toward finance, technology, and corporate headquarters offices, plus Florida Atlantic University's main campus near the center of town. Incomes skew high, and so does the share of residents who work for themselves or retire before 65, two groups that shop the individual market constantly.
| Population | County | Metro |
|---|---|---|
| ~97,000 | Palm Beach (FIPS 12099) | Miami-Fort Lauderdale-West Palm Beach |
Three Boca Raton situations
Steven, 59, sold his marketing agency last year. Six years from Medicare with income from the sale, he gets no subsidy. He weighs an unsubsidized marketplace plan against an extended short-term plan that locks an underwritten rate for up to 36 months. Because he is healthy today, underwriting works in his favor, though he understands anything diagnosed later would be excluded if he reapplies.
Mia, 27, adjunct instructor near FAU. Her teaching contract carries no benefits. Her modest income likely qualifies her for a meaningful marketplace subsidy, which usually beats any short-term quote once the tax credit is applied. Running the subsidy math first saves her from buying the wrong product.
Ari and Dana, both 44, run a two-person financial consultancy. They earn too much for subsidies and want to protect against a bad year. One takes a marketplace plan for a managed thyroid condition that underwriting would exclude; the other, with a clean history, takes an extended short-term plan. Splitting the household across products is common here and completely allowed.
How Florida's rules work
Fla. Stat. 627.6426 permits short-term plans with an initial term under 12 months and a total duration up to 36 months including renewals. Because that limit is written into Florida statute, it does not move when federal policy moves. The stricter 2024 federal rule is currently not being enforced under the August 7, 2025 tri-agency statement, which leaves Florida's own law as the operative constraint.
Florida did not expand Medicaid, which matters less in high-income Boca Raton than elsewhere, but the coverage gap is still real for lower earners: adults under the federal poverty level without dependent children can be ineligible for both Medicaid and marketplace subsidies. Florida uses HealthCare.gov, with open enrollment November 1 through January 15.
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Keep reading — more Florida guides
Premium data methodology. 1 Marketplace premium averages reflect the average monthly premium before advance premium tax credits, the average monthly premium after advance premium tax credits among subsidized enrollees, and the percentage of enrollees receiving advance premium tax credits, for Florida, as reported in the Centers for Medicare & Medicaid Services (CMS) Marketplace Open Enrollment Period Public Use Files, 2026 plan year, available at cms.gov. Figures are statewide averages across all metal tiers, ages, and household sizes; your premium will differ based on your age, household, income, county, and plan selection.
2 Employer coverage averages reflect the average total monthly premium for single and family coverage at private-sector establishments in Florida, including both employer and employee contributions, as reported in the Medical Expenditure Panel Survey Insurance Component (MEPS-IC), Agency for Healthcare Research and Quality, 2024 tables, available at meps.ahrq.gov. Employee contribution figure reflects the average employee share of the single-coverage premium. Employer plan costs vary by employer, plan design, and firm size.
3 Client averages are calculated from GetHealthPlans.com (MTG Insurance Agency LLC) internal book-of-business records as of July 15, 2026 and reflect the median or mean monthly premium, as labeled, among active policies providing individual coverage (one covered person) of the stated product type held by our clients residing in the stated state or, where labeled agency-wide, across all states in which we operate. Family and multi-person policies are excluded so that figures reflect what one person pays. Figures are shown only for states and products where our records include a sufficient number of active individual policies to report a meaningful average, with a minimum of ten; combinations below that threshold are not shown. Where a figure is labeled "median," half of our client policies in that group pay less and half pay more. Our client base reflects the products we sell, skews toward medically underwritten coverage, and may not represent all buyers or all plans available in a state. These figures are historical averages of premiums actually paid by our clients, are not quotes, offers, or projections, and are not statements of what any individual will pay. Individual premiums are determined by the insurer at application based on age, location, term length, benefit selections, and underwriting outcomes.
4 No federal or state agency publishes average premium data for short-term limited duration insurance or fixed indemnity insurance. Where we do not display a client-base figure for these products, it is because we do not have sufficient policy volume in that state to report a meaningful average. Short-term and fixed indemnity products are medically underwritten, are not major medical coverage, are not required to cover pre-existing conditions or essential health benefits, and do not constitute minimum essential coverage under the Affordable Care Act.
5 Medicaid and CHIP are public programs, not insurance products sold by this agency. Premiums are $0 or nominal for those who qualify; eligibility is determined by your state based on income, household size, and other factors. The figure shown describes program design, not an average. Contact your state Medicaid agency or HealthCare.gov to check eligibility.