Question 1

How much does Health Insurance Marketplace cost in Broward County, Florida?

Accepted Answer

Health Insurance Marketplace costs in Broward County vary based on income and household size. 65% of Broward County residents qualify for premium subsidies. Average subsidies are $465/month, with many qualifying for $0 premium plans. Without subsidies, Bronze plans start around $300/month, Silver plans $400-$500/month, and Gold plans $500-$700/month for individuals.

Question 2

Who qualifies for $0 premium Marketplace plans in Broward County?

Accepted Answer

In Broward County, Florida, individuals earning under $43,000/year or families of 4 earning under $88,000/year often qualify for $0 premium Marketplace plans. Enhanced subsidies make Silver plans free or very low-cost for those earning 100-150% of federal poverty level. Use the subsidy calculator at healthcare.gov to check eligibility based on your income and household size.

Question 3

When is Open Enrollment for Health Insurance Marketplace in Broward County?

Accepted Answer

Open Enrollment for Health Insurance Marketplace in Broward County, Florida runs November 1, 2025 - January 15, 2026, with coverage starting January 1, 2026. Enroll by December 15 for January 1 coverage. Outside Open Enrollment, you can enroll during a Special Enrollment Period if you experience qualifying life events like job loss, marriage, birth of a child, or moving to Broward County.

Question 4

What's the difference between Bronze, Silver, and Gold Marketplace plans in Broward County?

Accepted Answer

In Broward County, Bronze plans have the lowest premiums but highest deductibles ($8,500+), covering 60% of costs. Silver plans balance premiums and out-of-pocket costs ($6,000 deductible), cover 70% of costs, and qualify for cost-sharing reductions with subsidies. Gold plans have higher premiums but lower deductibles ($2,500), covering 80% of costs. Choose based on expected healthcare usage and subsidy eligibility.

Question 5

Do Marketplace plans in Broward County cover pre-existing conditions?

Accepted Answer

Yes, all Health Insurance Marketplace plans in Broward County, Florida must cover pre-existing conditions with no exclusions, waiting periods, or higher premiums based on health status. This includes chronic conditions like diabetes, heart disease, cancer, and mental health conditions. Coverage begins on your plan's effective date. You cannot be denied coverage based on health history during Open Enrollment or Special Enrollment Periods.

Broward County Health Insurance Marketplace 2025: Fort Lauderdale ACA Plans & Subsidies

2025 Broward County Health Insurance Marketplace Open Enrollment

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