Broward Health
A public taxing district running four acute-care hospitals plus Salah Foundation Children's, serving the northern two thirds of the county. Out of network with Florida Blue since July 2025.
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Fort Lauderdale, Florida · Broward CountyHealth insurance in Fort Lauderdale.
Broward has the widest carrier choice of any county in Florida — and two of its biggest hospital systems just went out of network with its biggest insurer. Picking a plan here is a network question before it is a price question.
Licensed in Florida · License #G188518 · verify it yourself
11
On-exchange carriers in Broward
More than any other Florida county
13.8%
Under-65 residents uninsured
Above the Florida average of 13.6%
236,357
Uninsured residents under 65
Second highest county total in Florida
$306
Typical net Silver premium
Average Silver plan, single adult age 28 earning $35,000 a year, 2026 plan year
On the ground in Broward
The network problem nobody warns you about in Broward
Two of Broward's three largest hospital systems are currently out of network with Florida Blue. Broward Health went out of network on July 1, 2025, affecting roughly 17,000 members. Memorial Healthcare System followed on September 1, 2025, affecting about 31,000 more — and that second one hit employer plans, Medicare Advantage and ACA Marketplace plans alike.
If you live in Hollywood, Pembroke Pines, Miramar or Hallandale, Memorial is very likely your hospital. If you live in Fort Lauderdale, Coral Springs or Pompano, it is probably Broward Health. Buying a Florida Blue plan on price alone right now can quietly put your nearest emergency room out of network.
The hospitals' response was to start their own insurer. 22 Health, launched jointly by Broward Health and Memorial Healthcare through Community Care Plan, is new for the 2026 plan year and is sold in Broward County only. It is a real option that most comparison sites will not surface, because it does not exist anywhere else.
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What this means for you
Before you compare a single premium, tell me which hospital and which doctors you actually want to keep. In Broward that one answer eliminates more plans than income does.
Mohab H. Saintelus
Licensed Advisor · FL #G188518
Networks
Hospitals and networks in Fort Lauderdale
The single most common regret in health insurance is a plan that did not include a doctor or hospital someone was already using. This is where we start, not where we finish.
Memorial Healthcare System
The South Broward Hospital District — Memorial Regional, Joe DiMaggio Children's, Memorial West, Miramar and Pembroke. Out of network with Florida Blue since September 2025.
Cleveland Clinic Florida
Weston. Narrower network participation than the two districts, so plan-by-plan checking matters more here.
Holy Cross Health & HCA Florida
Additional Fort Lauderdale-area options whose participation varies by carrier and by metal level.
Who we work with
Who we help in Fort Lauderdale
The self-employed
Broward has 376,720 non-employer businesses against 68,191 employer firms — roughly five and a half solo operations for every company with staff. Almost none of them have a group plan to fall back on.
Bilingual households
36.9% of Broward residents are foreign-born and 43.8% speak a language other than English at home. We work in English, Spanish and Kreyòl.
People between jobs
COBRA quotes in Broward routinely land above $700 a month for one person. There is usually a better answer, and the election window is shorter than people think.
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Three questions, about sixty seconds. You will receive a response within 24 hours — from a licensed advisor, not a call centre.
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✓ 11 carriers compared in Broward
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Carrier names are trademarks of their respective owners. Saintellus Health Advisory is an independent advisor.
Working with a local broker in Fort Lauderdale
Saintellus Health Advisory is an independent agency based in Fort Lauderdale and licensed across 31+ states. Independent means we are not tied to one carrier: we compare 11 on-exchange companies in Broward County alongside private off-exchange plans, employer options and COBRA, then tell you plainly which one fits.
There is no fee for that. The carrier compensates the advisor when someone enrolls, and that compensation is already built into the plan’s filed rate — your premium is identical whether you enroll with us, on your own, or through another agent. What you get for using one is somebody who has read the network directory.
Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027, with December 15, 2026 the deadline for coverage starting January 1. Outside that window you need a qualifying life event — losing job coverage, moving, marriage, a birth — and those have deadlines of their own, usually 60 days.
Common questions about health insurance in Fort Lauderdale
Which health insurance carriers are available in Broward County?
Eleven companies sell on-exchange individual plans in Broward for the 2026 plan year and thirteen sell off-exchange, according to the Florida Office of Insurance Regulation — the widest choice of any Florida county. That includes 22 Health, a new plan sold only in Broward. Which of them is right for you depends far more on your doctors and hospital than on the premium.
Is Broward Health or Memorial in network with my plan?
It depends on the carrier. Both systems went out of network with Florida Blue during 2025 — Broward Health on July 1 and Memorial on September 1 — and as of this writing those contracts have not been restored. Other carriers are unaffected. Send us your plan and your hospital and we will check it directly rather than guessing.
What does health insurance cost in Fort Lauderdale?
For the 2026 plan year, Florida regulators put the average Silver premium for a 28-year-old earning $35,000 in Broward at $665 a month before subsidies, $306 after. Your own number depends on age, household size, income and plan, so treat that as a reference point rather than a quote.
Do you charge for help in Fort Lauderdale?
No. There is no consultation fee and no service fee. The carrier compensates the advisor when someone enrols, and that compensation is already built into the plan's filed rate — so your premium is the same whether you enrol with us, on your own, or through another agent.
Where these numbers come from
Premium and carrier figures: Florida Office of Insurance Regulation, 2026 plan year tables. Population, income and uninsured figures: U.S. Census QuickFacts, Broward County (ACS 2020–2024 5-year estimates). Statewide enrollment: KFF Marketplace plan selections, 2026. Medicaid eligibility thresholds: KFF, January 2026. Premium figures describe average silver plan, single adult age 28 earning $35,000 a year, 2026 plan year and are a reference point, not a quote.
Saintellus Health Advisory is an independent insurance agency licensed in 31+ states. Mohab H. Saintelus, Licensed Health Insurance Advisor, Florida license #G188518. Plan availability, pricing and eligibility vary by state, county, age and household. This page is general education and is not medical, tax or legal advice.
Areas served
Around Fort Lauderdale
- Hollywood
- Pompano Beach
- Coral Springs
- Plantation
- Pembroke Pines
- Weston
- Davie
- Sunrise
Other Florida markets we serve
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