Davie is an odd and likable mix: a town that keeps its horse trails and western storefronts while hosting one of the largest higher-education clusters in South Florida, anchored by Nova Southeastern University. Students, adjuncts, grad assistants, and the small businesses that serve them generate a constant churn of people moving between coverage situations.
The rules here
What's available in Davie
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 preexisting conditions.
What one person pays for coverage in Florida
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
Self-employed Davie residents, including the adjuncts and tutors who patch together academic work, should read the individual marketplace benchmark above as their starting line. Subsidies depend on household income and size for the year and are never guaranteed in advance; a licensed agent can verify eligibility before you commit.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
A licensed agent compares your real options for your ZIP in plain English. No cost. No pressure.
Davie at a glance
Davie sits in central Broward County, where Nova Southeastern University shares a campus corridor with branches of other colleges, giving the town a student and healthcare-education economy layered over its agricultural and equestrian roots. Much of the local workforce is young, part time, or between career stages, exactly the population that shops the individual market hardest.
Three Davie situations
Elena, 25, second-year grad student. She turns 26 in the spring, which ends her time on a parent's plan and opens a Special Enrollment Period. Her stipend income is low enough that a subsidized marketplace plan may cost very little, and she should also check whether her stipend level affects subsidy math before enrolling.
Coach Bill, 48, runs a riding stable west of University Drive. Self-employed for two decades, healthy, no subsidy at his income. He keeps an extended short term plan under Florida's 36-month allowance and carries an accident supplement, sensible for a man who works around horses. He rechecks the marketplace each January, since underwritten plans stop being cheap the year your health changes.
Priya, 33, finishing a pharmacy residency in June. Her program's coverage ends at graduation, but her hospital job does not start until September. That summer gap is what Florida's ordinary short term plans exist for: real if limited coverage for a defined stretch, no long commitment, then onto the employer plan.
How Florida's rules work
Florida statute 627.6426 governs the short term market: initial terms must be under 12 months and total duration can reach 36 months with renewals. Federal policy defers to states here for now; the 2024 federal limits are currently not being enforced per the August 7, 2025 tri-agency statement, and the statute is what stands either way. One caution belongs next to that flexibility: these plans are underwritten, exclude preexisting conditions as a rule, and never count as minimum essential coverage.
Florida did not expand Medicaid. Adults under the federal poverty level without dependent children can fall into the coverage gap, which hits part time student workers more often than people assume. If your income is that low, get an agent or navigator to check every path, including whether projected income for the coming year changes your marketplace eligibility. Enrollment runs through HealthCare.gov, November 1 to January 15.
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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 agencywide, 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 preexisting 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.
