Deerfield Beach sits at the northern edge of Broward County, bordering Palm Beach County near Boca Raton and Delray Beach. The city has a distinctly mixed character — part beach community, part working-class suburb, part retirement destination. Unlike the upscale communities immediately to its north in Palm Beach County, Deerfield Beach has a more economically diverse population that includes service workers, construction tradespeople, local business owners, retirees on fixed incomes, and families of moderate income.
This economic profile translates directly to meaningful ACA marketplace demand. Many Deerfield Beach residents work for smaller employers — in retail, landscaping, food service, and construction — that do not offer group health benefits, or offer plans whose employee share is unaffordable. Others have retired before Medicare eligibility and rely on marketplace plans as a coverage bridge. Broward Health North, located within Deerfield Beach, provides residents with local hospital access and is a key anchor for health plan network decisions.
For complete county-level plan and carrier information, see our Broward County health insurance guide.
Deerfield Beach is part of the Broward County ACA rating area, one of Florida's most competitive marketplace markets. Carriers serving Broward County in 2026 include Florida Blue, Ambetter from Sunshine Health, Molina Healthcare, Aetna CVS Health, and Oscar Health. Florida Blue offers the broadest hospital network and typically includes Broward Health, Memorial Healthcare, and Cleveland Clinic Florida. Budget-focused shoppers often gravitate toward Ambetter or Molina, where lower monthly premiums are paired with narrower networks.
HMO plans — which require you to stay in-network for all care — are generally the most affordable option for Deerfield Beach residents who receive their primary and specialty care locally. If you need to access specialists or hospitals outside Broward County, a PPO or EPO plan may offer the flexibility you need. A licensed agent can help you map your actual care needs to the right plan structure.
Health insurance in Deerfield Beach
Broward County generally has higher ACA premiums than many inland Florida counties, reflecting South Florida's elevated healthcare cost environment. A benchmark Silver plan for a 40-year-old in Deerfield Beach may run $430 to $460 per month before subsidies in 2026. Qualifying for premium tax credits can substantially reduce this cost.
| Annual Income (Single Adult) | % of FPL (2026) | Subsidy Eligibility | Est. Monthly Cost (Silver) |
|---|---|---|---|
| Below $15,060 | Below 100% | No subsidy — Florida Medicaid gap | Full premium (~$445) |
| $15,060 – $22,590 | 100–150% | Highest subsidy + Enhanced Silver CSRs | $0 – $30/month |
| $22,591 – $30,120 | 150–200% | Strong subsidy + Enhanced Silver CSRs | $30 – $75/month |
| $30,121 – $45,180 | 200–300% | Meaningful subsidy | $75 – $180/month |
| $45,181 – $60,240 | 300–400% | Moderate subsidy | $180 – $310/month |
| Above $60,240 | 400%+ | May qualify if premium > 8.5% of income | Varies |
Estimates are for a single 40-year-old on a benchmark Silver plan. These are illustrative figures, not guaranteed quotes.
Given Deerfield Beach's income profile, a large proportion of uninsured and self-pay residents will qualify for ACA premium tax credits. Workers in the service economy earning $25,000 to $50,000 annually will often find that their effective monthly premium — after the tax credit is applied — is far lower than what an employer group plan would cost them, even accounting for Broward County's higher benchmark premiums.
Retirees aged 55–64 represent another important group. Those living on Social Security survivor benefits, modest pensions, or retirement account distributions may find their income falls squarely in the subsidy-eligible range. If annual income is below $22,590 for a single adult, Enhanced Silver Cost-Sharing Reduction plans are available with very low deductibles and out-of-pocket costs.
Residents who fall below 100% of the Federal Poverty Level face Florida's Medicaid coverage gap, as the state has not expanded Medicaid. If you are in or near this income range, working with a licensed agent to carefully project and, where possible, slightly increase your reportable income can be critical to maintaining marketplace eligibility.
Working with a licensed Florida health insurance agent is always free — agents are compensated by the insurance carriers, not by you. An agent can review every available plan for your Deerfield Beach zip code and help you avoid common enrollment mistakes.
Ready to compare Deerfield Beach health insurance plans side by side? A licensed Florida agent can review every option at no cost to you.
Get a Free QuoteFor more information, see our Florida ACA Plans guide, health insurance by county, or Florida health insurance guide. You can also browse plans directly at HealthCare.gov.