Sunrise punches above its size in jobs. Sawgrass Mills draws shoppers from across South Florida and abroad, while the arena district next door hosts NHL hockey and a year-round events calendar. The office parks along the Sawgrass Expressway add corporate back-office employment on top of all that retail. Here is what that mix means for insurance: retail and events work runs on part-time schedules and hourly wages, and a large share of those workers never see an employer benefits packet at all. They buy their own coverage or they go without, and Florida's rules decide what buying your own actually looks like.
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 Sunrise
| 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 of Sunrise should treat the individual marketplace benchmark above as the starting line. Subsidy eligibility rests on projected household income and family size, and estimates never guarantee an outcome. A licensed agent can verify where you stand before you enroll.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Sunrise at a glance
Sunrise sits in western Broward County at the edge of the Everglades, and its economy centers on Sawgrass Mills, one of the largest outlet malls in the country, plus the arena district and corporate office campuses nearby. The city functions as both a regional employment hub and a bedroom community within the broader South Florida metro.
| Population | County | Metro |
|---|---|---|
| ~97,000 | Broward (FIPS 12011) | Miami-Fort Lauderdale-West Palm Beach |
Three Sunrise situations
Luz, 26, retail keyholder at the mall working 28 hours a week. Her employer plan requires full-time status she cannot get. At her wage, a marketplace plan on HealthCare.gov may come with a large subsidy, and she can enroll during open enrollment or after any qualifying event.
Trevor, 38, event production contractor at the arena. Gig-to-gig income, excellent health, no interest in paying unsubsidized bronze rates. He weighs an extended short-term plan at an underwritten rate for up to 36 months, accepting that it is not ACA coverage and excludes pre-existing conditions.
Marisol, 57, laid off from a back-office job on the Sawgrass corridor. Her COBRA notice quotes the full group premium. Since job loss is a qualifying event, she should compare a subsidized marketplace plan against COBRA within her election window rather than default to either.
How Florida's rules work
Florida allows short-term plans an initial term under 12 months and a total duration of up to 36 months under Fla. Stat. 627.6426. That is state statute. The federal government's stricter 2024 rule is currently not being enforced per the August 7, 2025 tri-agency statement, so the Florida limit is the one that operates. The 36-month ceiling exists whether or not federal policy changes, which distinguishes Florida from states that rely purely on federal forbearance.
The state also declined to expand Medicaid. For hourly workers whose annual income falls below the federal poverty level, that can mean no subsidy and no Medicaid, the coverage gap. Projecting income accurately, including second jobs and tips, sometimes moves a household across that line. Open enrollment on HealthCare.gov runs November 1 to January 15.
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.