Compare ACA plans available in Fort Lauderdale, Hollywood, Pembroke Pines, and every Broward zip code. Free, no-obligation quotes.
Broward County is home to nearly 1.9 million residents spread across cities including Fort Lauderdale, Hollywood, Miramar, Pembroke Pines, Coral Springs, and Pompano Beach. As one of the most economically diverse counties in South Florida, Broward has a wide range of residents who rely on ACA Marketplace plans for their health coverage — from self-employed contractors and small business owners to part-time workers, gig economy earners, and individuals between jobs.
The good news for 2026 is that federal premium subsidies remain strong. Many Broward County households can access plans with significantly reduced premiums — and in some cases, $0 per month. If you haven't compared plans recently, you may be missing out on savings that have grown since 2021 when expanded subsidies went into effect. A licensed Florida agent can show you exactly what's available in your zip code at absolutely no charge.
Broward County's competitive insurance market means residents generally have multiple carrier choices, which keeps premiums in check and gives you real options when it comes to doctors, hospital networks, and prescription drug coverage. Taking the time to compare plans annually is one of the most impactful financial decisions a Broward household can make.
All ACA Marketplace plans in Broward County fall into one of four metal tiers. Each tier represents a different tradeoff between what you pay monthly and what you pay when you actually use healthcare.
Bronze plans carry the lowest monthly premiums. Your deductible will be higher, meaning you pay more out of pocket before the plan starts covering most services. These plans work well for people who are generally healthy and primarily want protection against large, unexpected medical bills. After applying your subsidy, some Bronze plans in Broward may cost $0 per month.
Silver is the most popular metal tier for Broward County residents, particularly for households with moderate incomes. Only Silver plans are eligible for Cost-Sharing Reductions (CSRs), which can dramatically lower deductibles and out-of-pocket maximums for those who qualify. If your income is between 100% and 250% of the Federal Poverty Level, a Silver plan with CSR could carry a deductible as low as $0 and a heavily reduced out-of-pocket maximum.
Gold plans feature higher monthly premiums but lower cost-sharing — ideal for families who use their coverage regularly. Platinum plans provide the richest benefits with the highest premiums, typically best suited for people managing serious or chronic health conditions who need frequent care.
Broward County residents typically have access to plans from several major ACA carriers:
Exact plan availability varies by your specific Broward zip code. Visit GetFloridaCoverage.com or call to see what's available at your address.
The two main forms of ACA financial assistance available to Broward County residents are the Advanced Premium Tax Credit (APTC) and Cost-Sharing Reductions (CSR).
The APTC directly reduces your monthly health insurance premium. The credit is based on your household size and annual income relative to the Federal Poverty Level (FPL). For a Broward County household of two earning $45,000 per year, for example, your monthly premium after the APTC could be well under $100 — sometimes $0 on certain plans. The key income benchmarks for 2026 are:
CSRs are only available on Silver plans and only for households earning between 100% and 250% of FPL. They reduce your deductible, copays, and annual out-of-pocket maximum. For a Broward family of three earning $52,000 per year, a Silver plan with CSR could mean a deductible under $1,000 — compared to $7,000+ on an unsubsidized Bronze plan.
Many Broward County residents who qualify for CSRs don't realize it. Speak with a licensed agent or visit FloridaPlanFinder.com to get a clearer picture before making any decisions.
Getting enrolled in ACA coverage through a licensed agent is a straightforward process. Here's what to expect:
Florida's ACA Open Enrollment Period runs November 1 through January 15 each year. Enroll by December 15 to ensure your coverage starts January 1. After January 15, enrollment closes until the next open enrollment season unless you qualify for a Special Enrollment Period.
Special Enrollment Periods (SEPs) allow you to enroll outside of open enrollment if you experience a qualifying life event. Common triggers include losing employer-sponsored coverage, relocating to a new county, getting married or divorced, having a baby or adopting a child, or gaining lawful immigration status. You generally have 60 days from the triggering event to enroll. Contact a licensed agent as soon as possible after a qualifying event occurs.
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