Broward County is home to nearly 2 million people spread across Fort Lauderdale, Hollywood, Pembroke Pines, Coral Springs, Miramar, and dozens of other cities. It's one of Florida's most diverse counties — and one where health insurance options, costs, and eligibility can vary significantly from household to household.
As a licensed independent broker serving South Florida, I help Broward County families navigate the ACA marketplace, understand their subsidy eligibility, and find coverage that actually fits their situation. This guide covers everything you need to know for 2026.
Cities I serve throughout Broward County:
The most common source of individual health coverage for Broward County residents who don't have employer-sponsored insurance. Broward County uses the federal marketplace at healthcare.gov. Plans come in four tiers (Bronze, Silver, Gold, Platinum) and most residents who apply for a plan qualify for subsidies that lower their monthly premium.
Florida Medicaid covers low-income children, pregnant women, adults with disabilities, and elderly individuals. Florida has not expanded Medicaid under the ACA, so non-disabled adults without children typically do not qualify — but children and pregnant women often do. A broker can check your eligibility quickly.
If your employer offers health insurance and it meets minimum value and affordability standards, you're generally not eligible for ACA subsidies. However, if the employer plan is considered unaffordable (costs more than a certain percentage of your income), you may qualify for marketplace subsidies instead.
Available year-round for Broward residents who miss open enrollment or need temporary coverage. Short-term plans don't follow ACA rules — they can deny you for pre-existing conditions and don't cover all essential health benefits. Use with caution and only as a bridge to ACA coverage.
Before subsidies, a benchmark Silver plan premium for a single adult in Broward County in 2026 runs approximately $450–$620/month depending on age and carrier. But with ACA premium tax credits, many Broward residents pay significantly less.
| Household Situation | Estimated Monthly Cost with Subsidies |
|---|---|
| Single adult, age 30, income ~$32,000/yr | Often $30–$80/month (Silver) |
| Single adult, age 45, income ~$45,000/yr | Often $60–$130/month (Silver) |
| Family of 3, income ~$60,000/yr | Often $80–$200/month (Silver) |
| No subsidy (income above threshold) | $420–$680/month (Silver, unsubsidized) |
These are estimates. Actual amounts depend on exact income, age, household size, and available plans in your specific zip code. Contact me for a precise calculation.
In 2026, Broward County residents can typically choose from plans offered by:
Carrier availability and plan options change each year. An independent broker compares all available options — not just one company's plans — to find you the best fit.
| Period | Dates | Details |
|---|---|---|
| Open Enrollment | Nov 1 – Jan 15 | Anyone can enroll; coverage starts Jan 1 (if enrolled by Dec 15) |
| Special Enrollment | Year-round | Only after a qualifying event; 60-day window |
| Medicaid | Year-round | Apply anytime if income-eligible |
Broward County has strong healthcare infrastructure, with major systems including Broward Health, Memorial Healthcare System, and HCA Florida. When choosing a plan, it's critical to verify that your preferred hospitals and doctors are in the plan's network — not just that the hospital exists in Broward.
I check network adequacy for every client before enrollment. You should never have to guess whether your cardiologist, OB/GYN, or preferred hospital is covered.
I'm Hugo Scamarone — a licensed independent broker serving all of Broward County. I'll compare every plan available in your zip code, check your doctors and meds, calculate your exact subsidy, and help you enroll — at no cost to you.
📞 (877) 318-2816 Get a Free QuoteBroward County residents can access ACA marketplace plans from carriers including Florida Blue, Molina, Ambetter, Cigna, and Oscar. Plans range from Bronze to Platinum tiers. Medicaid and CHIP are also available for eligible households. An independent broker can compare all options in your specific zip code.
Without subsidies, a Silver plan for a 40-year-old runs approximately $450–$600/month. With ACA premium tax credits, many Broward County residents pay significantly less. The exact amount depends on your household income, age, and family size. Call or submit a quote request for a precise estimate.
Some Broward County residents qualify for Medicaid (free or very low cost) based on income. Others may qualify for very low-premium ACA plans with subsidies. "Free" is rare but possible for households with very low incomes. A broker can determine your exact eligibility based on your situation.
ACA Open Enrollment runs November 1 – January 15. Special Enrollment Periods are available year-round following qualifying life events (job loss, marriage, birth of a child, move). Medicaid can be applied for at any time.
Also serving: Miami-Dade County · Palm Beach County · Hillsborough County