Pompano Beach health insurance costs depend on which of four groups you buy: Marketplace plans, private plans, short-term plans or supplemental add-ons. For most people, a Marketplace plan comes first, since a tax credit can cut the premium at incomes from 100% to 400% of the poverty line. Above that line, you pay full price, so plan type and network matter even more.
- About 24.1% of Pompano Beach residents under 65 have no health insurance, according to the Census Bureau.
- Cigna and Molina are leaving Florida's individual Marketplace for 2027, so Broward members of those plans must choose again.
- For 2027 coverage, a couple loses the tax credit completely once household income tops $86,560.
- Short-term and tri-term plans are sold in Florida, but they are not ACA-compliant and can exclude pre-existing conditions.
- Open Enrollment for 2027 coverage runs November 1 to January 15, with a December 15 deadline for a January 1 start.
Pompano Beach health insurance costs today
Pompano Beach sits in northern Broward County, right next to our office in Deerfield Beach. So we hear from Pompano families often. Many of them work for themselves, work hourly jobs or fall between jobs. As a result, they shop for the coverage their employers don't provide.
That uninsured rate is high, and it often comes down to cost or confusion, not a lack of options. In fact, many uninsured callers we speak with qualify for at least one plan type below. Also, Florida rules apply across the whole state, so read our overview of Florida coverage rules for the bigger picture. Then use this guide to narrow your choices.
Hospitals and networks near Pompano Beach
Most people want a plan their doctors and hospitals accept, so start with your hospital. For example, nearby choices include Broward Health North on Sample Road and Holy Cross Health in Fort Lauderdale. However, no single plan includes every hospital in Broward. So list the hospital you'd want in an emergency, along with your doctors. Then check each one in the plan's own directory before you enroll, because networks can change every January.
Marketplace health coverage in Pompano Beach
Marketplace plans follow the Affordable Care Act. So they cover 10 essential health benefits, and they can't charge you more for a pre-existing condition. Since Florida uses HealthCare.gov, you can enroll there or with a licensed agent at no extra cost.
Carriers selling Pompano Beach health plans for 2027
For 2026, Broward Marketplace carriers included Ambetter, Oscar, UnitedHealthcare and the state's Blue Cross Blue Shield plan, plus several regional HMOs. Oscar, for example, lists Broward among its South Florida counties and names Memorial Healthcare as a partner. Our Ambetter carrier overview covers another common choice. However, the lineup changes for 2027.
- Cigna individual medical plans end on December 31, 2026.
- Molina is leaving Florida's individual Marketplace for 2027.
- Neither carrier will offer a 2027 Marketplace plan in Broward.
Medicaid and Florida KidCare
Florida did not expand Medicaid. Because of that, adults under the poverty line who don't fit Florida's existing Medicaid rules can't get a tax credit either. Still, apply on HealthCare.gov, since it screens for every program. Meanwhile, children can use Florida KidCare from birth until their 19th birthday, and families can apply any time of year.
Catastrophic plans for younger adults
If you're under 30, or you qualify for a hardship or affordability exemption, you can also buy a catastrophic plan. These plans cover preventive care and at least three primary care visits a year before the deductible. However, if you qualify for a tax credit, a Bronze or Silver plan may be a better value.
A licensed Vivna agent can check your doctors, estimate your 2027 tax credit and compare Pompano Beach plans side by side, at no cost to you.
Private plans and plan types
You can buy many ACA plans directly from a carrier, outside HealthCare.gov. They follow the same benefit rules, but they never include a tax credit. So they mostly fit people who earn above 400% of the poverty line. To see both kinds, compare ACA and private plans in one quote.
HMO or PPO?
- You pick a primary care doctor
- Specialists usually need a referral
- Out-of-network care isn't covered except emergencies
- No referral needed for specialists
- Some out-of-network care is covered
- Premiums usually run higher
Meanwhile, EPO and POS plans fall in between. So ask which network type each quote uses before you compare prices.
Pompano Beach health insurance costs for the self-employed
Plenty of Pompano Beach residents earn 1099 income, from charter captains to contractors and rideshare drivers. If that's you, the Marketplace bases your credit on expected net profit, not gross pay. Also, you can often deduct premiums on IRS Form 7206, except for months you could join a subsidized employer plan. Our guide for people who work for themselves shows the math. Also, if your income swings with the season, update your Marketplace application after a slow or busy stretch. That way, your credit stays close to what you'll actually earn.
Fixed indemnity and limited benefit plans are not major medical coverage. They pay set dollar amounts, so a big hospital bill can far exceed what they pay. Use them only alongside a real health plan.
Short-term and tri-term plans in Pompano Beach
Florida allows both short-term and tri-term plans. A short-term plan can bridge a few months, for example after a job ends or after you miss Open Enrollment. A tri-term plan, on the other hand, can last up to about three years. UnitedHealthcare offers both kinds in Florida.
However, these plans work differently from ACA coverage. Short-term and tri-term plans are not ACA-compliant, they can exclude pre-existing conditions and they don't qualify for subsidies. Also, they ask health questions, so a carrier can decline you. Compare short-term medical options we quote and tri-term plans that last up to three years before you decide.
Supplemental, dental and vision coverage
Supplemental plans add cash benefits on top of major medical. They help most when your deductible is high or your income stops after an injury. For example, many families pair them with a Bronze plan.
- Accident plans help with ER visits, fractures and sports injuries.
- Hospital indemnity plans pay a set amount for covered stays.
- Critical illness plans pay a lump sum after a covered diagnosis.
- Dental and vision plans cover cleanings, exams and glasses.
We work with carriers such as Aflac, Mutual of Omaha, Allstate Health Solutions and ManhattanLife. In addition, Cigna dental plans continue for 2027. See our accident and hospital cash plans and our dental and vision plan options.
Pompano Beach health insurance costs compared
First, use this table to rule options in or out. Then get quotes for the two that fit best.
| Plan type | When you can buy | Pre-existing conditions | Tax credit |
|---|---|---|---|
| Marketplace plan | Open Enrollment or a qualifying event | Covered | Yes, if you qualify |
| Private ACA plan | Open Enrollment or a qualifying event | Covered | No |
| Catastrophic plan | Open Enrollment or a qualifying event | Covered | Bronze or Silver may be a better value |
| Short-term or tri-term plan | Any time of year | Can be excluded | No |
| Supplemental plan | Usually any time of year | Varies by plan | No |
In short, only ACA plans protect a health condition you already have. So if you take regular medication, start there. Meanwhile, short-term and supplemental plans work best as a bridge or an add-on.
What Pompano Beach health insurance costs
First, premiums depend on age, ZIP code, tobacco use, household size and metal level. After that, your income decides the tax credit. For a sense of list prices, here are Florida's average 2026 premiums for a 40-year-old before any credit.
What a couple pays for health coverage in Pompano Beach
For 2027 coverage, the credit caps your share of the benchmark Silver plan at a set percent of income. Here's the most a two-person household pays for that plan, based on IRS figures.
| Household income | Poverty level | Your share | About per month |
|---|---|---|---|
| $32,460 | 150% | 4.30% | $116 |
| $43,280 | 200% | 6.78% | $245 |
| $54,100 | 250% | 8.66% | $390 |
| $64,920 | 300% | 10.22% | $553 |
| $86,560 | 400% | 10.22% | $737 |
Above $86,560, the credit stops, and you pay full price. Plus, starting with tax year 2026, there's no cap on paying back extra credit. So update your application when income changes.
Costs after you enroll
Next comes what you pay for care. The deductible comes first, then copays and coinsurance. For 2027, ACA plans cap in-network costs at $12,000 for one person and $24,000 for a family. Also, each metal level splits the bill differently, so compare deductibles along with premiums.
How to pick Pompano Beach health plans
Start with a Silver plan and your 2027 credit.
Estimate net profit, then compare Bronze and Silver.
Compare a private ACA plan with a tri-term plan.
Check Florida KidCare for the children first.
Ask where the plan sends you for a hospital stay, not just which doctors it lists. Northern Broward has more than one hospital system, and two plans at the same price can point to different ones. So name your preferred hospital when you call, and we'll filter by it first.
Price the plan you'd use in a bad year, not just the one with the lowest premium.What our agents tell Pompano Beach callers
Nearby city guides
For local carriers and quotes, see our Pompano Beach plans and quotes page. Live close to the line? See our Deerfield Beach plans and local quotes, our Fort Lauderdale plans and quotes page or our Coconut Creek plans and quotes page. For a closer look at one group, read our guide for Deerfield Beach seasonal workers and retirees. Families can also start with our Coral Springs family coverage guide, while adults nearing 65 can use our Coconut Creek coverage guide. You can also browse answers to common Florida coverage questions or our complete site map.
Pompano Beach health insurance costs: FAQs
How much does health insurance cost in Pompano Beach?
It depends on age, income and plan level. In 2026, Florida's average benchmark Silver plan for a 40-year-old cost $683 a month before credits, according to KFF. With a 2027 credit, though, a couple earning $54,100 pays no more than about $390 a month for that plan. Above $86,560 for two, you pay full price.
Can I buy coverage in Pompano Beach after Open Enrollment?
Yes, in two ways. First, a qualifying life event, such as losing job coverage, moving or having a baby, usually opens a 60-day Special Enrollment Period. Second, short-term and tri-term plans are sold any time in Florida. However, those plans aren't ACA-compliant and can exclude pre-existing conditions.
What if I earn too much for a subsidy?
You still have options. First, compare Bronze and Silver ACA plans at full price, because they protect pre-existing conditions. Then, if you're healthy, compare a tri-term or short-term plan. Also, a Bronze plan paired with an HSA can lower your taxes, since Marketplace Bronze plans now count as HSA-eligible.
Do I need supplemental coverage with a health plan?
Not always. Supplemental plans make the most sense when your deductible is high or a missed paycheck would hurt. For example, an accident plan can help an active family cover ER visits. Even so, supplemental plans never replace major medical coverage, so buy a real health plan first.
Is there a Vivna office near Pompano Beach?
Yes. Our office is just north of Pompano Beach at 810 SE 8th Ave, Suite A, in Deerfield Beach. However, most clients never need to visit. Our licensed agents can compare plans, check doctors and enroll you by phone, Monday through Friday, 9am to 6pm.
Talk to a local licensed agent
We live and work in northern Broward, so we know the local networks well. Call 888-730-6001 with your income estimate, your doctors and your prescriptions. Then we'll compare plans and walk you through enrollment. So whether you need a Marketplace plan or dental coverage, we'll help you keep Pompano Beach health insurance costs within your budget.
Vivna's licensed agents compare plans from 50+ carriers. Call Monday through Friday, 9am to 6pm.
Sources
- HealthCare.gov: Dates and deadlines for 2027 health insurance
- IRS: Revenue Procedure 2026-26 (2027 applicable percentages)
- HealthCare.gov: Federal poverty level (FPL)
- CMS: 2027 Premium Adjustment Percentage and cost-sharing limits
- U.S. Census Bureau: QuickFacts, Pompano Beach city, Florida
- KFF: Average Marketplace premiums by metal tier
Vivna Insurance is a licensed, independent health insurance agency (NPN 19168641). We are not affiliated with HealthCare.gov or any government agency. Plan availability, networks and benefits vary by state and change over time. Short-term plans are available only in approved states and are not ACA-compliant coverage.