Hollywood is home turf for one of South Florida's major public hospital systems, and health care jobs share the local economy with tourism along the Broadwalk and commuters who split their working lives between Fort Lauderdale and Miami. A city of people in motion tends to produce coverage questions in motion: new jobs, dropped hours, relocations, all of them with insurance consequences.
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 Hollywood
| 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 |
Self-employed Hollywood residents anchor to the individual marketplace benchmark above. Subsidy eligibility turns on household income and size for the year. No figure on this page guarantees eligibility; a licensed agent can convert estimates into an actual quote for your household.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Hollywood at a glance
Hollywood stretches from the beach Broadwalk west across southern Broward County, positioned between the Fort Lauderdale and Miami job markets with a large public hospital system headquartered in town. Health care, tourism, and small business drive employment, and a substantial share of workers commute across county lines, which complicates network choices more than people expect.
| Population | County | Metro |
|---|---|---|
| ~153,000 | Broward (FIPS 12011) | Miami-Fort Lauderdale-West Palm Beach |
Three Hollywood situations
Nadine, 49, per-diem nurse. Hospital work without hospital benefits; per-diem staff often get no group plan. Her steady income and clean record give her options, but she chooses the marketplace anyway because her family history makes her value coverage that can never exclude a future diagnosis at renewal time.
Omar, 37, rideshare full-timer working both airports. His income straddles the subsidy sweet spot. A subsidized marketplace plan likely beats underwritten quotes, and because he drives across two counties, he screens plans for networks that cover providers near home rather than near wherever the app sends him.
Iris, 63, closed her beachwear shop after thirty years. Two years to Medicare. Underwriting would be a gamble at her age even in good health, and any new condition would follow her through a short-term product's exclusions. A marketplace plan, possibly subsidized on her reduced retirement income, carries her cleanly to 65.
How Florida's rules work
Short-term coverage in Florida runs under Fla. Stat. 627.6426: initial terms under 12 months, total duration up to 36 months including renewals. State statute is the operative rule. The 2024 federal restriction on these plans is currently not being enforced per the August 7, 2025 tri-agency statement, but Florida's law never depended on it.
Florida did not expand Medicaid, so the coverage gap applies: adults below the federal poverty level without dependent children may get neither Medicaid nor subsidies. Hollywood's mix of service work and gig income puts some households near that line, and a careful income projection can determine which side of it they land on. The state enrolls through HealthCare.gov, November 1 through January 15, with Special Enrollment Periods for qualifying events during the rest of the year.
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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.