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I've been to Coco Cay about 10 times now and I also agree that the water close to the beach is horrible for snorkling. If you go to the first beach near the rental shop you have to go out past the small break wall on the left and go way out over 150ft from shore towards the 2 guys sitting way out in the water on elevated lifeguard towers. Out there is nice and lots of fish and two small sunken planes. Further to the left towards the open ocean is also cool as it starts to drop off. Another not to bad place is way down at the other end where not many people go, it stays shallow for over 200ft out and there are a couple of resident stingrays there that I saw everytime I went.
