If you've searched "health insurance broker Delray Beach," you've seen the wall of national call centers pretending to be local. I'm Zuriel Kinlock — a licensed agent based in Delray Beach, helping neighbors across Palm Beach County with ACA marketplace plans, Medicare, and the coverage in between. Free comparisons, plain English, and a phone number that reaches the same person every time.
I'm a Florida-licensed health insurance agent headquartered right here in Delray Beach, and I hold licenses in 23 states — which matters more here than almost anywhere, because half this county splits the year between Florida and somewhere else. Whether you're a family off Atlantic Avenue whose premium jumped this year, a 1099 contractor in Boynton without employer coverage, or you're turning 65 in one of the communities west of Military Trail, the job is the same: put every plan filed in your ZIP code side by side and explain the trade-offs in plain English.
No call-center scripts, no pressure, and no fee for the help — carriers pay the commission whether you use a broker or not, so the only thing enrolling alone saves you is the second opinion.
Individual and family coverage with subsidy math done right — including the silver-plan upgrades most self-enrollers miss. Start with the subsidy calculator or the Florida 2026 cost guide, then let me price your exact ZIP code.
The Advantage-vs-Medigap decision, Part D, and the deadlines that carry lifelong penalties — explained educationally, on your timeline. If 65 is coming up, the Palm Beach County turning-65 timeline is the place to start.
Lost job coverage, COBRA sticker shock, moving to Florida, aging off a parent's plan at 26, retiring before 65 — each opens specific enrollment windows with real deadlines. The special enrollment checker tells you in 60 seconds what's open for you.
Dental, vision, hearing, hospital indemnity, and accident coverage that fill the gaps major medical leaves — and how to spot a discount card pretending to be insurance. See the ancillary coverage guide.
Health insurance is priced and networked by county and ZIP code — Palm Beach County's plan lineup, premiums, and provider networks are different from Broward's, and sometimes different between Delray Beach and Jupiter. A national 800 number can't tell you which Medicare Advantage networks include Delray Medical Center versus Boca Raton Regional, or which marketplace plans your Bethesda-affiliated doctor actually takes. That's the difference between a plan that looks cheap on a screen and one that works at the hospital five minutes from your house.
Two local resources worth bookmarking: how to check which Medicare plans Palm Beach County hospitals accept, and — if you split the year between here and up north — the snowbird sections of Medicare in Florida.
Based in Delray Beach, working throughout Palm Beach County: Delray Beach, Boynton Beach, Boca Raton, Lake Worth Beach, Wellington, West Palm Beach, Palm Beach Gardens, and Jupiter — plus 23 states by phone for snowbirds and long-distance family. Local reading:
Tell me your situation — under 65, turning 65, or somewhere complicated in between. I'll compare every plan filed in your ZIP code and walk you through it, free.
No cost. No obligation to enroll. Licensed in Florida and 22 more states.
No. Premiums are identical with or without a broker — ACA prices are fixed by law and Medicare plan premiums are filed with CMS. The carrier pays the commission either way. Here's exactly how agents get paid, in writing, because I'd want to know too.
Your choice. Most clients do everything by phone and screen-share in under an hour; local clients can arrange to meet in person. Either way you'll see the actual side-by-side comparison before deciding anything.
Usually, yes — I'm licensed in 23 states, and the two-state lifestyle is exactly where plan choice matters most (networks that travel vs. networks that don't). The Medicare in Florida guide covers the snowbird trade-offs in detail.
Unfortunately, yes — Florida marketplace premiums rose sharply for 2026 and the enhanced federal subsidies expired at the end of 2025. But the original subsidies still exist, and re-shopping carriers moves the number more than people expect. Run the 60-second subsidy calculator before you accept the renewal.
It changes every plan year, which is exactly why it's worth checking before you enroll rather than after. I keep a guide on how to verify Palm Beach County hospital participation — Delray Medical Center, Boca Raton Regional, Bethesda, Wellington Regional, and the rest — and I verify current participation for clients as part of any comparison.
Important: Speaking with a licensed insurance agent does not guarantee enrollment, eligibility, savings, approval, or specific benefits, and there is no obligation to enroll. For Medicare products: Smooth Health Solutions is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 0–78 organizations which offer 0–2,613 products in your area; the exact numbers depend on your ZIP code, county, and plan year. Please contact Medicare.gov, 1‑800‑MEDICARE (1‑800‑633‑4227; TTY 1‑877‑486‑2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. Plan availability, benefits, premiums, and eligibility vary by plan, carrier, location, and individual circumstances.