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Affordable Healthcare in South Florida

Miami, Hialeah, Homestead, Fort Lauderdale, Hollywood, Pembroke Pines, Boca Raton and West Palm Beach. The center of Florida's Marketplace, and where the subsidy cliff hit hardest.

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Who needs care?

Answer 6 quick questions to see what Direct Primary Care plus health sharing could cost your household.

Buying your own plan in South Florida

No part of the country leans on the ACA Marketplace like South Florida. Florida has led the nation in Marketplace enrollment every year, and in 2026 about 442,785 Floridians who had a plan in 2025 went without one, the biggest drop of any state (source).

The reason is the end of the extra federal tax credits. Households above 400% of the federal poverty level generally get no credit now, so the full price lands on them all at once.

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Cities we help in South Florida

  • Miami · Miami-Dade County
    Home to Jackson Memorial Hospital, the public teaching hospital, and Baptist Health South Florida's main campus.
  • Hialeah and Homestead · Miami-Dade County
    Working-family cities north and south of Miami with their own hospitals.
  • Fort Lauderdale · Broward County seat
    Broward Health Medical Center is downtown; many small businesses and gig workers.
  • Hollywood and Pembroke Pines · Broward County
    Memorial Healthcare System has its main hospitals here.
  • Weston · Broward County
    Home to Cleveland Clinic's Florida hospital.
  • Boca Raton · Palm Beach County
    Boca Raton Regional Hospital; many early retirees and business owners.
  • West Palm Beach · Palm Beach County seat
    St. Mary's Medical Center and other Palm Beach hospitals.

Don't see your town? We help anywhere in Florida. Tell us where you are.

TampaSt. PetersburgClearwaterLakelandOrlandoKissimmeeThe VillagesOcalaMiamiFort LauderdaleBoca RatonWest Palm BeachSarasotaFort MyersNaplesJacksonvilleSt. AugustineGainesvillePensacolaDestinPanama CityTallahasseeDaytona BeachMelbournePort St. Lucie

Outline simplified. This region is highlighted; tap another region's city to open its guide.

The subsidy cliff, in one Fort Lauderdale example

healthinsurance.org priced the cheapest Marketplace plan for a 60-year-old in Fort Lauderdale (ZIP 33301) earning $63,000. In 2025, with the extra credits, it cost $191 a month. In 2026, without them, it cost $1,064 a month (source).

For comparison, the pairing we most often recommend costs $556.24 a month for a single person aged 60 to 64 at a $2,500 Initial Unshareable Amount, as of October 2026. That isn't insurance, it phases in pre-existing conditions, and sharing isn't guaranteed, so it only makes sense if you're generally healthy. But that gap is why so many South Florida households are asking.

A 40-year-old in the same ZIP earning $40,000 saw the cheapest plan rise from $34 to $110 a month (source). At that income, a Marketplace plan with a tax credit is usually the better deal, and we'll say so.

Who it fits here, and who should stay on insurance

Usually a good fit: healthy individuals and families who buy their own plan, self-employed people, early retirees under 65, and households whose income is too high for much Marketplace help.

Usually better on insurance: anyone who qualifies for Florida Medicaid, anyone with a serious ongoing condition who needs it paid for in year one, anyone planning a pregnancy in the next nine months, anyone who needs regular mental-health therapy, and anyone whose tax credit makes an ACA plan cheap.

In this region specifically: If your income is modest, the Marketplace tax credit can make an ACA plan cheaper than anything here. Check HealthCare.gov first.

Not sure which side you're on? Tell us about your household or call (727) 761-1715.

Illustrative example · October 2026

Single Boca Raton consultant, age 61

$556.24 /month

Member only, oldest member 60–64, $2,500 Initial Unshareable Amount per Need, non-tobacco. Combined medical cost sharing + virtual primary care membership. Optional dental savings plan from $8.95/month. Not a quote; your amount depends on your household.

See the full price table →

Questions we hear from this region

Can I use Jackson, Baptist, Memorial or Cleveland Clinic with health sharing?

Yes. Health sharing has no provider network, so you can use any licensed hospital. Pay as a self-pay patient up to your Initial Unshareable Amount, then submit eligible bills. Call the program before planned care.

I lost my tax credit this year. Is health sharing my only option?

No. A Marketplace plan without a credit, a spouse's employer plan or COBRA are all options. Health sharing is often cheaper for healthy households paying full price, but it isn't insurance. We'll compare them with you.

Is this health insurance?

No. Health care sharing and direct primary care are alternatives to insurance. Sharing is voluntary and not guaranteed, and it isn't Minimum Essential Coverage. Florida has no state penalty for going without insurance.

Other regions: Tampa Bay · Central Florida · Southwest Florida · Northeast Florida · North Florida & the Panhandle · Space Coast & Treasure Coast

Read more: every option compared · what it costs · health sharing in Florida · direct primary care

Written and reviewed by Graham Kerswell. Last updated October 15, 2026. Facts and prices are checked against the sources named on this page.

Sources

Compare your options in South Florida

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (727) 761-1715

Free, no obligation. Florida households only.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

Florida notice (§ 624.1265(3), Florida Statutes)
Florida law requires health care sharing organizations to give this notice with their applications and guidelines: “Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant is compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under Florida's direct health care agreement law (§ 624.27, Florida Statutes), these agreements are not health insurance and are not subject to the Florida Insurance Code. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. Florida disclosure (§ 636.212, Florida Statutes): The plan is not insurance. The plan provides discounts at certain health care providers for medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. Discount plan organization: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Florida is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.