Most working adults in Pembroke Pines commute somewhere else, often to downtown Miami or the Fort Lauderdale office market, with a large share heading to the hospital corridors along I-75. That makes this a city of job changers, and every job change is a coverage decision with a deadline attached. Miss the window after a layoff or a resignation and your choices narrow fast. Under Florida law, at least, the menu of bridge options here is wider than what most of the country gets, and knowing that menu before you need it is half the work.
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 Pembroke Pines
| 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 residents start from the individual marketplace benchmark above. Whether a subsidy applies depends on the household income and size you project for the year. Estimates are not guarantees, so have a licensed agent run the calculation with your real figures.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Pembroke Pines at a glance
Pembroke Pines is one of Florida's largest cities and functions as a major residential hub in southwest Broward County, built out through decades of westward suburban growth. Health care, education, and retail are the big local employers, while a large share of residents commute into the Miami and Fort Lauderdale job markets.
| Population | County | Metro |
|---|---|---|
| ~171,000 | Broward (FIPS 12011) | Miami-Fort Lauderdale-West Palm Beach |
Three Pembroke Pines situations
Yusef, 45, IT consultant who left a Miami firm. COBRA quotes came in painfully high. Because he expects to consult independently for at least two years, an extended short-term plan at an underwritten rate is worth comparing against an unsubsidized marketplace plan, as long as he is healthy enough to pass underwriting.
Daniela, 33, per-diem nurse working across three hospital systems. No single employer offers her benefits. Her irregular income makes subsidy projection tricky, but a marketplace plan is still usually her best fit because it covers her thyroid condition without exclusions.
Rob and Ana, both 61, small daycare owners. They are four years from Medicare. A marketplace plan with a subsidy protects them fully; if their income lands too high for a subsidy, they may compare that premium against a 36-month extended plan, understanding it excludes their pre-existing conditions.
How Florida's rules work
Under Fla. Stat. 627.6426, a short-term plan in Florida can have an initial term under 12 months and run up to 36 months total with renewals. This is state statute, so it holds regardless of federal rulemaking cycles. The stricter 2024 federal rule is currently not being enforced per the August 7, 2025 tri-agency statement, and Florida's own law is the limit that governs what gets sold here.
Two practical notes for Broward households. First, Florida uses HealthCare.gov, with open enrollment from November 1 to January 15. Second, Florida did not expand Medicaid, so adults below the federal poverty level without a qualifying category can fall into the coverage gap, where neither subsidies nor Medicaid reach. Income projection deserves real care in that situation.
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.