Broward County has some of Florida's highest ACA enrollment rates — because residents here know how to use the system. Here's how the 2026 plans break down.
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Broward County has a competitive four-carrier market. Molina and Ambetter consistently offer lower premiums for subsidy-eligible residents in the Fort Lauderdale area. Florida Blue has the broadest network including Broward Health and Memorial Healthcare System.
Fort Lauderdale has a large small-business owner and contractor population. Many residents are self-employed in marine, real estate, hospitality, or creative industries — and shopping for their own health coverage. ACA plans are specifically designed for this demographic.
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. Molina and Ambetter typically offer the lowest premiums for income-eligible residents. Florida Blue covers Broward Health and Memorial Healthcare. Always compare all four before enrolling.
Many Broward County residents qualify. A single adult earning under $36,000/year and a family of four earning under $62,000/year typically qualify for premium tax credits that reduce monthly costs to $0–$50. Complete our 2-minute form to check your specific eligibility.
There's no hard upper income limit — subsidies phase out gradually above 400% of the Federal Poverty Level, but enhanced subsidies under current law still apply for higher incomes. For 2026: 100–150% FPL = likely $0/month. 150–250% FPL = significant credits. 250–400% FPL = moderate credits.
It depends on your doctor's network participation. Florida Blue has the broadest Broward County network. Before enrolling, use our licensed agents to verify your specific doctors and any specialists you see regularly.
Open Enrollment: November 1 – January 15. Special Enrollment Periods available year-round for qualifying life events.
The process is simpler than most people expect. Here's exactly what happens when you work with FL Health Guide:
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Check My Eligibility →Or call: (888) 990-4921