Pembroke Pines is one of Broward County's largest cities and a premier family suburb in South Florida. With approximately 175,000 residents, the city combines strong schools, diverse neighborhoods, and access to Memorial Hospital Pembroke — part of one of the largest public health systems in the United States. Pembroke Pines' population reflects South Florida's broader diversity, with significant Caribbean, Latin American, and other communities creating a vibrant, multicultural city.
The city's family-oriented demographics drive specific health insurance needs: pediatric care, maternity coverage, family dental and vision, and affordable premiums for households with multiple dependents. The ACA marketplace, with its premium tax credits and mandatory essential health benefits, is designed to serve exactly these needs. Many Pembroke Pines families who currently go without coverage or rely on minimal plans may qualify for comprehensive Silver plans at significantly reduced cost.
For county-level plan and carrier information, see our Broward County health insurance guide.
Pembroke Pines is built for families — well-maintained parks, highly rated charter schools, and a community culture centered on youth activities and family life. Health insurance needs follow accordingly. Families need coverage that includes well-child visits, vaccinations, pediatric dental and vision, mental health services for adolescents, maternity care for growing families, and emergency access.
All ACA marketplace plans include these essential health benefits at every metal tier. The decision for Pembroke Pines families is which tier provides the best value. For families earning between 100% and 250% of the federal poverty level ($33,240 to $83,100 for a family of four in 2026), Silver plans are almost always the best choice because they include Cost-Sharing Reductions that dramatically reduce deductibles and copays. A family of four earning $50,000 per year on an Enhanced Silver plan might have a deductible under $750 and out-of-pocket maximum under $3,000 — a level of coverage that rivals many employer plans.
Health insurance in Pembroke Pines
Broward County's competitive ACA marketplace offers Pembroke Pines residents multiple carrier options in 2026. Florida Blue provides both HMO and PPO plans with networks that typically include Memorial Healthcare System. Ambetter from Sunshine Health offers competitive HMO pricing. Molina Healthcare frequently has some of the lowest-premium options in the county. For families who want the flexibility to see specialists without referrals or access providers across county lines, Florida Blue's PPO plans may justify the higher premium.
Memorial Hospital Pembroke, part of Memorial Healthcare System, is the city's primary hospital. It provides emergency services, surgical care, cardiac services, and comprehensive medical treatment. As part of the larger Memorial system — which includes Memorial Regional Hospital (a Level I trauma center) and Joe DiMaggio Children's Hospital — Pembroke Pines residents have access to one of South Florida's most comprehensive healthcare networks.
Joe DiMaggio Children's Hospital, located in nearby Hollywood, is a nationally ranked pediatric facility accessible to Pembroke Pines families. For parents with children who need specialized pediatric care — from neonatal services to pediatric oncology — verifying that both Memorial Hospital Pembroke and Joe DiMaggio Children's are in-network is a key plan selection criterion.
| 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.
Pembroke Pines families: compare every ACA plan in your zip code. A licensed Florida agent will help find the best coverage at no cost.
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.