Miramar runs fourteen miles east to west along the Broward-Miami-Dade line, from older neighborhoods near US 441 to corporate campuses and logistics parks out west. The city's office parks employ thousands with solid group benefits while thousands of their neighbors commute to service and gig work with none, which makes Miramar two insurance markets sharing one zip code map.
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 Miramar
| 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 |
Miramar's self-employed, whether consulting from a home office or running trucks from the logistics parks, price from the individual marketplace benchmark above. Subsidies depend on household income and size for the year, with no eligibility guaranteed until an application runs. A licensed agent can do that with you in minutes.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Miramar at a glance
Miramar occupies southwest Broward County against the Miami-Dade line, a long east-west city whose western half filled in over the past two decades with corporate offices, distribution facilities, and master-planned neighborhoods. Its households are among the most commuter-heavy in South Florida, working across two counties' job markets.
| Population | County | Metro |
|---|---|---|
| ~135,000 | Broward (FIPS 12011) | Miami-Fort Lauderdale-West Palm Beach |
Three Miramar situations
Jean, 40, was laid off from a corporate campus off Miramar Parkway. His severance includes a COBRA offer at full group cost. Depending on his projected income for the year, a subsidized marketplace plan may undercut it substantially, and his layoff opens the Special Enrollment Period that lets him choose. He runs both numbers before his COBRA election deadline.
Roseline, 33, braids hair from a licensed home studio. Self-employed, healthy, moderate income: prime subsidy territory. She had priced short-term plans first, but the subsidized marketplace option covers more and costs less at her income. She adds a dental supplement since her medical plan does not include adult dental.
Devon, 48, runs a two-truck delivery business with his brother. Both healthy, both above subsidy range in most years. They take extended short-term plans, legal in Florida up to 36 months of total duration, and bank the premium difference against a future switch to marketplace plans if either one's health turns.
How Florida's rules work
Fla. Stat. 627.6426 permits short-term plans with initial terms under 12 months, renewable to a total duration of 36 months. That is Florida statute and the binding rule; the stricter 2024 federal regulation is currently not being enforced under the August 7, 2025 tri-agency statement.
Florida also declined Medicaid expansion, leaving the coverage gap in place for adults below the federal poverty level without dependent children. For Miramar's two-earner households the more common trap is different: one spouse's employer offer, if it meets federal affordability rules, can block marketplace subsidies for family members even when adding the family to that plan costs a fortune. The rules around that interaction have shifted in recent years, so have an agent check the current treatment before you decide anything. Enrollment runs through HealthCare.gov, November 1 to January 15.
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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.