Health Insurance in Fort Lauderdale, FL

Health Insurance Carriers in Fort Lauderdale, FL

Residents of Fort Lauderdale can compare health insurance plans from the following carriers during Open Enrollment (November 1–January 15): Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina Healthcare, Oscar Health. The dominant carrier in most Fort Lauderdale ZIP codes is Florida Blue.

Fort Lauderdale is served by Broward Health, Memorial Healthcare System, and several large private hospital networks. The county is one of the more competitive South Florida markets for both premiums and provider options.

2026 Plan Data for Residents in Fort Lauderdale

Here is what is actually filed and for sale in Broward County for 2026.

• Fort Lauderdale sits in Broward County, where 12 carrier(s) have filed 197 plans for 2026: 22 Health, Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna HealthCare of Florida, and others.
• Plan types available to Fort Lauderdale residents: EPO, HMO, POS, PPO.
• One of the lower-cost Silver options is myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company) — $681/month at age 40 with a $9,500 deductible and No Charge primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Hospitals and Health Systems in Fort Lauderdale

Major hospital systems and facilities serving Fort Lauderdale include:

• Broward Health Medical Center
• Memorial Regional Hospital (Memorial Healthcare System)
• Holy Cross Health (Trinity Health)
• Cleveland Clinic Florida (Weston)

Network coverage varies by plan. Before enrolling, confirm your preferred hospital is in-network by checking the plan’s provider directory or calling member services.

Urgent Care Centers in Fort Lauderdale

Urgent care facilities in the Fort Lauderdale area include:

• CareSpot Urgent Care (multiple Fort Lauderdale locations)
• Baptist Health Urgent Care
• Cleveland Clinic Express Care

ACA Subsidies and Medicaid in Fort Lauderdale

Residents of Fort Lauderdale may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

Fort Lauderdale Health Insurance Market Profile

• Population: 182K
• County: Broward County
• Median Household Income: $60,000 (~383% of the 2026 FPL)
• Marketplace: healthcare.gov