The marine industry still shapes Pompano Beach, from the boatyards and marinas along the waterway to the skilled trades that keep them running. Add a beachfront in the middle of a long redevelopment cycle and you get a local economy heavy on seasonal work and small contractors, where 1099 income is the norm rather than the exception. Health coverage for that kind of workforce rarely comes from an employer. It comes from the individual market, and Florida's rules for that market are unusually flexible.
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 Pompano Beach
| 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 |
For the self-employed, the marketplace benchmark above is the reference point. Subsidies hinge on projected household income and size, and no estimate guarantees eligibility; a licensed agent can check where your numbers actually land.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Pompano Beach at a glance
Pompano Beach sits on the Broward coast just north of Fort Lauderdale, with an economy built around marine trades, tourism, and a wave of residential redevelopment along the oceanfront. The city has become a landing spot for buyers priced out of Fort Lauderdale proper, bringing a steady flow of new households into the local insurance market.
| Population | County | Metro |
|---|---|---|
| ~112,000 | Broward (FIPS 12011) | Miami-Fort Lauderdale-West Palm Beach |
Three Pompano Beach situations
Gil, 52, marine mechanic paid by the job. His income swings hard between hurricane season and the winter boat show rush, which complicates subsidy math. An agent can help him project a defensible annual figure for the marketplace application instead of guessing month to month.
Priya, 30, charter crew between contracts. She needs coverage for eight months until a new yacht position starts. A standard short-term plan with a term under 12 months covers the window without locking her into anything longer.
Walt, 60, semi-retired handyman with high blood pressure. Underwritten products would likely exclude what he most needs covered. A marketplace plan takes him as he is, and his part-time income may qualify him for a substantial subsidy through HealthCare.gov.
How Florida's rules work
The Florida legislature set its own short-term rules in Fla. Stat. 627.6426: initial terms under 12 months, total duration up to 36 months with renewals. State law controls here, and the tighter 2024 federal rule is currently not being enforced under the August 7, 2025 tri-agency statement. Nothing about that arrangement requires a Floridian to use the full 36 months; plenty of buyers hold these plans for a single season of work transition.
Because Florida did not expand Medicaid, adults with income under the federal poverty level can be left without either Medicaid or a marketplace subsidy. That coverage gap is a real feature of the local market and worth discussing candidly with an agent if your income is low or unpredictable. Open enrollment for ACA plans runs November 1 through January 15 on HealthCare.gov.
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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.