Pembroke Pines is one of Broward's largest family-oriented suburbs. Here's an honest breakdown of what 2026 ACA plans cost for families in this area.
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Broward County's four carriers all serve Pembroke Pines. Memorial Healthcare and its affiliated facilities are covered by Florida Blue. Ambetter and Molina are strong for families seeking lower premiums.
Pembroke Pines has a large family population, many working in healthcare, education, and professional services. Families where one spouse has employer coverage and the other doesn't should know: you can enroll the uncovered spouse on an ACA marketplace plan even if coverage is technically available through the other's employer.
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 Memorial Healthcare System. Ambetter and Molina have lower premiums for eligible families.
Possibly yes. If your employer's family coverage costs more than 9.5% of your household income, your family may qualify for ACA marketplace subsidies. This 'family glitch' fix took effect in 2023. A licensed agent can calculate whether your family qualifies.
A family of four in Broward County pays $500–$1,500/month unsubsidized. With subsidies, a family earning $55,000/year typically pays $0–$100/month. Exact costs depend on household size, ages, and income.
All ACA-compliant plans must include pediatric dental and vision coverage for children. Hospital and specialist care for children varies by plan network — verify your pediatrician is in-network before enrolling.
Open Enrollment: November 1 – January 15. Special Enrollment Periods for qualifying life events year-round.
The process is simpler than most people expect. Here's exactly what happens when you work with FL Health Guide:
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