Living in one county, working in another
A lot of Broward commutes. You might live in Miramar and work in Miami-Dade, or live in Coral Springs and drive up to Boca Raton. Your Marketplace plan is based on where you live, but you may want doctors near your job. Most plans here are HMOs, so check that the network reaches both places.
Plenty of people in Broward have no plan from work: hotel and restaurant staff, people in the marine trades around Fort Lauderdale, real estate agents, rideshare drivers, early retirees who aren't 65 yet. For them the Marketplace is the usual way to get full coverage, often with a tax credit. If you split the year between Broward and another state, read how a plan handles care away from home before you pick it.
Companies selling Obamacare plans in Broward
Ten companies sold Marketplace plans across all of Broward County in 2026, with 197 plans in total: Florida Blue (65), Ambetter Health (26), Molina Healthcare (21), UnitedHealthcare (17), Oscar Health (15), AvMed (14), Cigna Healthcare (13), Wellpoint (13), AmeriHealth Caritas Next (8) and 22 Health (5). Every one of them covered the whole county.
| Company | Plans | Plan types | Metal levels |
|---|---|---|---|
| Florida Blue | 65 | EPO, HMO, POS, PPO | Bronze, Silver, Gold, Platinum |
| Ambetter Health | 26 | HMO | Bronze, Silver, Gold |
| Molina Healthcare | 21 | HMO | Bronze, Silver, Gold |
| UnitedHealthcare | 17 | HMO | Bronze, Silver, Gold |
| Oscar Health | 15 | HMO | Bronze, Silver, Gold |
| AvMed | 14 | HMO | Bronze, Silver, Gold, Platinum |
| Cigna Healthcare | 13 | EPO, HMO | Bronze, Silver, Gold |
| Wellpoint | 13 | HMO | Catastrophic, Bronze, Silver, Gold |
| AmeriHealth Caritas Next | 8 | HMO | Bronze, Silver, Gold |
| 22 Health | 5 | HMO | Bronze, Silver, Gold |
Source: CMS Marketplace public use files, plan year 2026. Lists for 2027 can change; your quote shows the current plans.
22 Health is the name people here don't know. In 2026 it sold Marketplace plans in just one Florida county, and that county was Broward. Outside Florida Blue, which had PPO, POS and EPO plans, and Cigna, which also had EPO plans, everything here was an HMO. Platinum came only from Florida Blue and AvMed. Wellpoint had the only Catastrophic option. Lists can change for 2027.
Broward Health, Memorial and Cleveland Clinic
The hospital names people bring up in Broward are Broward Health, Memorial Healthcare System and Cleveland Clinic Florida in Weston. Each plan has its own network, and two plans from the same company can differ. Look up your hospital and your doctors in the plan's directory before you enroll. A licensed agent can check it with you for free.
Prices in Broward
Below are UnitedHealthcare Health ProtectorGuard (HPG) prices at age 40 in Broward, the same as in every other Florida county we quoted. For ACA plans, the price depends on your income and household, so the quote form works out your tax credit first.
UnitedHealthcare Health ProtectorGuard here, woman age 40, no tobacco
- Select 2000$145.80a month
- Preferred 4000$229.71a month
- Premier 5000$313.19a month
Source: October 24, 2026, ZIP 33301.
ACA Marketplace
ACA prices depend on your income and age. Run the form to see your exact prices with your tax credit.
Be clear on what HPG is. It's fixed indemnity insurance: Preferred 4000 pays $100 per doctor visit and $4,000 per hospital day, and you owe whatever the bill is beyond that. There's no out-of-pocket maximum, it isn't minimum essential coverage and you answer health questions to get it. An ACA plan covers far more. Compare them on ACA vs fixed indemnity.
Broward ZIP codes
We list 55 ZIP codes for Broward. If your ZIP also crosses into Miami-Dade or Palm Beach, the quote asks which county you live in.
ZIP codes in Broward County. If yours spans two counties, the form asks which one.
33004330093301933020330213302233023330243302533026330273302833029330603306233063330643306533066330673306833069330713307333076333013330433305333063330833309333113331233313333143331533316333173331933321333223332333324333253332633327333283333033331333323333433351333883344133442
When you can sign up for 2027
Open Enrollment runs November 1, 2026 to January 15, 2027. Pick a plan by December 15 and it starts January 1. Lost job coverage mid-year? That opens a Special Enrollment Period, usually 60 days.
- Open Enrollment opens
- Last day to pick a plan that starts January 1
- Open Enrollment ends. Plans picked from Dec 16 start February 1
After that you need a Special Enrollment Period (a life event like losing coverage, moving, marriage or a baby). Medicaid and Florida KidCare take applications any time.
Source: HealthCare.gov dates for 2027 coverage
This is not HealthCare.gov. You compare here and enroll through HealthSherpa, a private site connected to the federal Marketplace. Next door: Miami-Dade County and Palm Beach County, or see all Florida counties.
Common questions
Which companies sell Obamacare plans in Broward County?
In 2026: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare, Oscar Health, AvMed, Cigna Healthcare, Wellpoint, AmeriHealth Caritas Next and 22 Health. That's 10 companies and 197 plans. Your quote shows the 2027 lineup.
What is 22 Health?
An insurance company that sold 5 HMO Marketplace plans in 2026, and Broward was the only Florida county where it sold. Check its network the way you would any plan's.
I live in Broward but work in Miami. Which county do I use?
The county where you live. Quote with your home ZIP, then check that the plan's network has doctors near your work too.
Are there PPO plans in Broward?
In 2026, Florida Blue was the only company with PPO plans here. Almost everything else was an HMO, and Cigna also had EPO plans.