Health Coverage Options in Broward County, Florida
Broward County residents shop for health insurance through the ACA marketplace at healthcare.gov. Plan availability, carriers, and premium rates vary by ZIP code — so comparing options specific to your address is essential before enrolling.
Whether you're self-employed, between jobs, or simply don't have access to employer coverage, an independent broker can compare every plan available in Broward County at no cost to you.
ACA Marketplace Plans in Broward County
ACA marketplace plans available in Broward County, Florida include all four metal tiers:
- Bronze — lowest premium, highest deductible. Best for healthy, low-utilization buyers.
- Silver — moderate premium with cost-sharing reductions available at qualifying income levels. Often the best overall value.
- Gold — higher premium, lower cost-sharing. Best for regular healthcare users.
- HDHP + HSA — high-deductible plan paired with a Health Savings Account. Popular with self-employed and higher-income residents.
Subsidy Eligibility for Broward County Residents
ACA premium subsidies are based on your household income relative to the federal poverty level. For a single adult in 2027, subsidies generally apply at incomes between ~$15,960 and $63,840 . Above $63,840 the credit stops completely: the enhanced rules that removed that cap expired on 31 December 2025. A licensed broker can calculate your exact subsidy before you choose a plan.
Self-Employed in Broward County?
Self-employed residents of Broward County — freelancers, contractors, small business owners, and 1099 workers — can deduct 100% of health insurance premiums on their federal tax return, provided they aren't eligible for coverage through a spouse's employer. This deduction reduces adjusted gross income dollar-for-dollar, lowering both taxes and potentially increasing subsidy eligibility.
Open Enrollment and Special Enrollment in Florida
Open Enrollment for Florida runs November 1 through January 15 each year. Outside this window, qualifying life events — job loss, marriage, divorce, having a baby, moving, or turning 26 — trigger a 60-day Special Enrollment Period. Call (713) 575-9904 if you need coverage outside of Open Enrollment.
Broward County Plan Data for 2026
12 carrier(s) have filed 197 plans in Broward County for 2026: 22 Health, Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna HealthCare of Florida, Cigna Healthcare, and others. Plan types available: EPO, HMO, POS, PPO.
Lowest full-price premium by metal tier for a 40-year-old in Broward County:
- Bronze: from $524/month at age 40 — myBlue Bronze 26M01-23 (Rewards) (Florida Blue HMO (a BlueCross BlueShield FL company)), $10,125 deductible, No Charge primary-care visit.
- Silver: from $677/month at age 40 — myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) (Florida Blue HMO (a BlueCross BlueShield FL company)), $9,500 deductible, No Charge primary-care visit.
- Gold: from $623/month at age 40 — Gold Simple (Oscar Health Maintenance Organization of Florida), $3,000 deductible, $5 primary-care visit.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Figures are full-price filed rates before any premium tax credit and are not a quote or an offer of coverage. Your actual cost depends on age, county, tobacco use, household size and subsidy eligibility. Verify current rates at enrollment.