Miramar is one of Broward County's fastest-growing cities, with a population of approximately 140,000 residents. Located in southwest Broward County, the city has experienced explosive growth since the early 2000s, attracting families from across South Florida and the Caribbean with its newer housing stock, good schools, and suburban quality of life. Miramar's population is notably diverse, with significant Jamaican, Haitian, Colombian, Venezuelan, and other Caribbean and Latin American communities.
This rapid growth has created a large population of residents who need individual health insurance. Many Miramar families include dual-income households where one or both spouses are self-employed, work for small businesses, or work remotely for companies that do not offer health benefits in Florida. The ACA marketplace provides these families with access to subsidized, comprehensive health insurance plans through Broward County's competitive carrier market.
For county-level plan and carrier information, see our Broward County health insurance guide.
Miramar is fundamentally a family suburb — newer developments, good schools, and a relatively affordable cost of living compared to eastern Broward communities have attracted young families in large numbers. For these families, health insurance coverage is not optional — pediatric care, maternity coverage, preventive screenings, and emergency access are essential.
All ACA marketplace plans include essential health benefits critical to families: pediatric dental and vision, well-child visits, immunizations, mental health services, maternity and newborn care, and prescription drug coverage. These benefits are mandatory across all metal tiers, from Bronze to Gold. The question for Miramar families is which plan tier and carrier provides the best value for their specific income and healthcare needs.
Families earning between 100% and 250% of the federal poverty level ($33,240 to $83,100 for a family of four in 2026) should prioritize Silver plans. At these income levels, Silver plans include Cost-Sharing Reductions that dramatically reduce deductibles and copays — benefits not available on Bronze or Gold plans regardless of income. A family of four earning $50,000 per year could see their Silver plan deductible drop from $6,000 to under $750.
Broward County offers a competitive ACA marketplace with multiple carriers including Florida Blue, Ambetter from Sunshine Health, and Molina Healthcare. Florida Blue provides the broadest network options, including PPO plans for families who want flexibility to see specialists without referrals. Ambetter and Molina compete on premium pricing, frequently offering the lowest-cost options in the county. For Miramar families focused on keeping monthly costs low while maintaining access to Memorial Healthcare System, comparing these carriers side by side is essential.
Memorial Hospital Miramar, part of the Memorial Healthcare System, is the city's primary hospital. It offers emergency services, surgical care, maternity services, and comprehensive medical treatment. As part of the larger Memorial system — which includes Memorial Regional Hospital, Memorial Regional South, and Joe DiMaggio Children's Hospital in nearby Hollywood — Miramar residents have access to a full spectrum of healthcare services within a short drive.
Most ACA carriers serving Broward County include Memorial facilities in their networks. However, verify that Memorial Hospital Miramar and your preferred physicians are covered under the specific plan you choose. Network depth varies between carriers and plan tiers.
Broward County's competitive carrier market helps keep ACA premiums reasonable. A benchmark Silver plan for a 40-year-old in Miramar runs approximately $480 to $520 per month before subsidies in 2026.
| Annual Income (Single Adult) | % of FPL (2026) | Subsidy Eligibility | Est. Monthly Cost (Silver) |
|---|---|---|---|
| Below $15,960 | Below 100% | No subsidy — Florida Medicaid gap | Full premium (~$490) |
| $15,960 – $23,940 | 100–150% | Highest subsidy + Enhanced Silver CSRs | $0 – $30/month |
| $23,941 – $31,920 | 150–200% | Strong subsidy + Enhanced Silver CSRs | $30 – $80/month |
| $31,921 – $47,880 | 200–300% | Meaningful subsidy | $80 – $185/month |
| $47,881 – $63,840 | 300–400% | Moderate subsidy | $185 – $315/month |
| Above $63,840 | 400%+ | May qualify if premium > 8.5% of income | Varies — 8.5% income cap applies |
Estimates are for a single 40-year-old on a benchmark Silver plan. Actual premiums for older adults are higher; subsidies scale accordingly. These are illustrative figures, not guaranteed quotes.
Miramar families: compare every ACA plan in your zip code. A licensed Florida agent will help find the best coverage 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.