Coral Springs is one of Broward's most family-oriented cities. Here's an honest guide to what 2026 ACA health insurance plans cost for Coral Springs households.
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As part of Broward County, Coral Springs has access to four ACA carriers. Florida Blue covers Broward Health North and other Broward Health facilities. Ambetter and Molina offer lower premiums for eligible families.
Coral Springs has a large Jewish and South American community, and is known as a family-friendly suburb. Many residents are dual-income households where one or both spouses may be self-employed or between jobs.
The table below shows estimated monthly premiums for a Silver plan after federal subsidies, based on household income. Actual costs vary by age, plan, and carrier.
| Household Size | Income Range | % of FPL | Estimated Monthly Premium | Subsidy Level |
|---|---|---|---|---|
| 1 person | Under $15,060 | Under 100% | Medicaid (may apply) | Check Eligibility |
| 1 person | $15,060 – $22,590 | 100–150% | $0/month | Maximum Subsidy |
| 1 person | $22,590 – $37,650 | 150–250% | $0 – $80/month | High Subsidy |
| 1 person | $37,650 – $60,240 | 250–400% | $80 – $250/month | Moderate Subsidy |
| Family of 4 | Under $31,200 | Under 100% | Medicaid (may apply) | Check Eligibility |
| Family of 4 | $31,200 – $46,800 | 100–150% | $0 – $30/month | Maximum Subsidy |
| Family of 4 | $46,800 – $78,000 | 150–250% | $30 – $200/month | High Subsidy |
| Family of 4 | $78,000 – $124,800 | 250–400% | $200 – $600/month | Moderate Subsidy |
Estimates based on 2026 FPL guidelines. Actual amounts vary by age and plan. Florida did not expand Medicaid — residents below 100% FPL without dependent children may not qualify for Medicaid.
Broward County has four ACA carriers: Florida Blue, Ambetter, Molina, and Oscar. Florida Blue covers Broward Health. Ambetter and Molina have lower premiums for income-eligible families.
A family of four in Broward County pays $500–$1,500/month unsubsidized. With subsidies at $55,000 household income, many families pay $0–$100/month. Exact cost depends on ages, household size, and income.
ACA marketplace plans are typically ideal. You deduct 100% of premiums as a business expense AND may receive premium tax credits if income qualifies. A licensed agent can help optimize for your specific tax situation.
All ACA plans must include pediatric dental and vision as essential health benefits for children. Coverage specifics vary — embedded in the health plan or as a separate rider. Verify the details before enrolling.
Open Enrollment: November 1 – January 15. Special Enrollment Periods year-round.
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