Lauderhill health insurance broker. Help when work has no health plan.

For 2026, ten insurers offered Broward County plans: 22 Health, Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue, Molina Healthcare, Oscar, UnitedHealthcare, and Wellpoint. We expect the 2027 lineup close to November 1, 2026, the start of open enrollment.

If your income is low enough, a Silver plan bought on the Marketplace may come with lower deductibles, copays, and out-of-pocket limits. For most people, this extra help comes only with Silver plans. We check whether your income may qualify. Our bronze vs. silver guide has more.

As of October 13, 2026, Florida has not expanded Medicaid. So some adults with income under the poverty level qualify for neither Medicaid nor a tax credit. Children, pregnant women, and people with disabilities may still qualify for Medicaid, so applying is worth it. Community health centers set fees based on what you can pay.

No. Each plan chooses its own hospitals, and 146 of Broward County's 197 plans for 2026 were HMOs. Look the hospital up in each plan's directory before you sign up.

Some. Broward County's 2026 lineup had 14 PPOs, 27 EPOs, and 10 POS plans out of 197. Each type has different rules for doctors outside the network. If your tax credit is small or zero, a private PPO plan may be another option to look at. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

As of October 13, 2026, under current law, you can sign up from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15. Outside those dates, you usually need a life event, such as a move or losing other coverage. Our Florida open enrollment guide has the details.