Coral Springs was master-planned from the start, and it shows: a family suburb in northwest Broward built around schools, youth sports, and small professional offices. Family coverage decisions dominate here, and a family is rarely one insurance answer. It is often two or three answers stitched together.
The rules here
| Max initial term (short-term) | Less than 12 months |
| Max total duration | 36 months (Fla. Stat. 627.6426) |
| Products available | ACA marketplace, short-term, extended short-term, fixed indemnity, supplemental |
| Exchange type | Federal marketplace (HealthCare.gov) |
| Medicaid expansion | No |
What's available in Coral Springs
| Coverage line | Available here | Key limit | Learn more |
|---|---|---|---|
| ACA marketplace plans | Yes | Open enrollment or a qualifying event | ACA plans |
| Short-term medical | Yes | Initial term under 12 months | Short-term |
| Extended short-term (multi-year) | Yes | Up to 36 months total | Extended plans |
| Fixed indemnity | Yes | Pays set cash amounts, not a substitute for major medical | Fixed indemnity |
| Supplemental (accident, critical illness, dental, vision) | Yes | Pairs with other coverage | Accident · Critical illness · Dental · Vision |
Short-term and fixed indemnity plans are not ACA compliant and do not count as minimum essential coverage. They are medically underwritten and typically exclude pre-existing conditions.
What one person pays for coverage in Florida
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
| Coverage type | Monthly premium (individual) | What that number is |
|---|---|---|
| ACA marketplace (before subsidy) | $806 avg. | State average, before tax credits (CMS Marketplace OEP, 2026).1 |
| ACA marketplace (after average subsidy) | $62 after credit | State average, after the average tax credit, among subsidized enrollees (CMS Marketplace OEP, 2026).1 |
| Employer coverage (single / family) | $751 / $2067 single / family | State average total monthly premium, single / family; employee pays about $148/mo toward single coverage (MEPS-IC, 2024).2 |
| Medicaid | $0 or nominal for those who qualify | Program design, not an average; eligibility is income-based5 |
| Fixed indemnity | $211.93 mean | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Accident | sec-39.04 median | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Critical Illness | sec-34.44 median | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Dental | $46.00 mean | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
Plenty of Coral Springs parents run their own practices and firms. For them the individual marketplace benchmark above is the starting figure, and subsidy eligibility depends on household income and family size for the year. An estimate is not a promise; have a licensed agent run the household's actual math.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Coral Springs at a glance
Coral Springs sits in northwest Broward County against the Sawgrass Expressway, a planned community incorporated in the 1960s that grew into one of the county's largest cities. Its economy runs on professional services, healthcare offices, and small business rather than a single dominant employer, so household coverage often mixes an employer plan with individual policies.
| Population | County | Metro |
|---|---|---|
| ~134,000 | Broward (FIPS 12011) | Miami-Fort Lauderdale-West Palm Beach |
Three Coral Springs situations
The Delgado household: one employer plan, one business owner. Maria's hospital job covers her and the kids at a reasonable family rate. Her husband Leo owns a landscaping company, and adding him to her plan costs more than his own coverage would. He takes an extended short-term plan on a clean health history, keeping the family total lower while Florida law lets his plan run up to 36 months.
Whitney, 39, physical therapist going solo. Leaving the clinic means leaving its group plan, which opens a Special Enrollment Period. Her postpartum thyroid condition would be excluded under short-term underwriting, so a marketplace plan is the right tool. Her first-year income dip may also earn a subsidy she would not expect from her prior salary.
Ray, 24, personal trainer at a gym on University Drive. No benefits, variable income, no ongoing conditions. He compares a subsidized bronze marketplace plan against a short-term policy and adds an accident supplement either way, since his injury risk is occupational.
How Florida's rules work
Under Fla. Stat. 627.6426, Florida short-term plans can have an initial term under 12 months and run up to 36 months in total. That is state statute, not a federal grace period. The 2024 federal rule that sought to cut such plans to a few months is currently not being enforced per the August 7, 2025 tri-agency statement, so Florida's own limit is the one that binds.
For families, the ACA marketplace has one feature no underwritten product matches: children and adults with any medical history are covered without exclusions. Florida did not expand Medicaid, but children in lower-income households may still qualify for Medicaid or CHIP-based coverage even when their parents do not, which is why household-level screening beats one-plan-fits-all shopping. Open enrollment runs November 1 through January 15 on HealthCare.gov.
Ready to compare your options? Get a personalized quote from a licensed Florida agent. No obligation, no spam, real answers.
Keep reading — more Florida guides
Premium data methodology. 1 Marketplace premium averages reflect the average monthly premium before advance premium tax credits, the average monthly premium after advance premium tax credits among subsidized enrollees, and the percentage of enrollees receiving advance premium tax credits, for Florida, as reported in the Centers for Medicare & Medicaid Services (CMS) Marketplace Open Enrollment Period Public Use Files, 2026 plan year, available at cms.gov. Figures are statewide averages across all metal tiers, ages, and household sizes; your premium will differ based on your age, household, income, county, and plan selection.
2 Employer coverage averages reflect the average total monthly premium for single and family coverage at private-sector establishments in Florida, including both employer and employee contributions, as reported in the Medical Expenditure Panel Survey Insurance Component (MEPS-IC), Agency for Healthcare Research and Quality, 2024 tables, available at meps.ahrq.gov. Employee contribution figure reflects the average employee share of the single-coverage premium. Employer plan costs vary by employer, plan design, and firm size.
3 Client averages are calculated from GetHealthPlans.com (MTG Insurance Agency LLC) internal book-of-business records as of July 15, 2026 and reflect the median or mean monthly premium, as labeled, among active policies providing individual coverage (one covered person) of the stated product type held by our clients residing in the stated state or, where labeled agency-wide, across all states in which we operate. Family and multi-person policies are excluded so that figures reflect what one person pays. Figures are shown only for states and products where our records include a sufficient number of active individual policies to report a meaningful average, with a minimum of ten; combinations below that threshold are not shown. Where a figure is labeled "median," half of our client policies in that group pay less and half pay more. Our client base reflects the products we sell, skews toward medically underwritten coverage, and may not represent all buyers or all plans available in a state. These figures are historical averages of premiums actually paid by our clients, are not quotes, offers, or projections, and are not statements of what any individual will pay. Individual premiums are determined by the insurer at application based on age, location, term length, benefit selections, and underwriting outcomes.
4 No federal or state agency publishes average premium data for short-term limited duration insurance or fixed indemnity insurance. Where we do not display a client-base figure for these products, it is because we do not have sufficient policy volume in that state to report a meaningful average. Short-term and fixed indemnity products are medically underwritten, are not major medical coverage, are not required to cover pre-existing conditions or essential health benefits, and do not constitute minimum essential coverage under the Affordable Care Act.
5 Medicaid and CHIP are public programs, not insurance products sold by this agency. Premiums are $0 or nominal for those who qualify; eligibility is determined by your state based on income, household size, and other factors. The figure shown describes program design, not an average. Contact your state Medicaid agency or HealthCare.gov to check eligibility.