Health Insurance Broker in Miramar, FL
Miramar residents can enroll in Obamacare (ACA) Marketplace plans from November 1, 2026 to January 15, 2027. Plans follow your home address, so you choose from Broward's nine 2027 insurers even if you work in Miami-Dade. Licensed broker Charlyne Rasolo compares them and checks Memorial Hospital Miramar, free.
- Licensed in Florida and 11 other states (license G066759)
- Free quote and free help comparing plans and enrolling
- Miami-based, bilingual French and English
What does care cost near Miramar?
Pick a procedure and a ZIP code. The tool shows the typical price, what you would pay with insurance before your deductible, and real cash prices found nearby, each with its source.
Local care near you
- Hospitals: Memorial Hospital Miramar on SW 172nd Avenue has a 24/7 emergency room. Memorial Hospital Pembroke and Memorial Hospital West are close by in Pembroke Pines. Memorial also runs a free-standing emergency room on Miramar Parkway, the Memorial Red Road ER.
- Across the county line: Jackson North Medical Center in North Miami Beach is the nearest Miami-Dade public hospital, useful to know if you commute south.
- Urgent care: Memorial's closest walk-in center is Memorial Urgent Care Pembroke Pines on Sheridan Street. Florida Blue lists Nicklaus Children's pediatric urgent care in Miramar (Florida Blue).
- Free enrollment help: HealthCare.gov Local Help and Covering Florida Navigators, 877-813-9115.
Which insurers sell 2027 Obamacare plans in Miramar?
Miramar is in Broward County, where nine companies sell Marketplace (Obamacare) plans for 2027, according to the Florida Office of Insurance Regulation's county table. On HealthCare.gov they appear as Florida Blue, Florida Blue HMO, Oscar, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed, AmeriHealth Caritas Next and 22 Health. 22 Health is new to many people: it sells plans only in Broward and is a division of Community Care Plan, which is owned by Broward Health and Memorial Healthcare System (22 Health). Most Broward plans are HMOs, so the network is the first thing to check.
Florida's own 2027 example is a single 28-year-old earning $36,000: the average silver plan in Broward is about $723 a month before help, and about $312 after the average tax credit (state example). Your own price depends on age, ZIP code, income and plan level. More detail: which insurers sell Marketplace plans in Broward for 2027.
Memorial is your hospital? Check the network first
Florida Blue and Broward's two public hospital systems still have no contract. Memorial Healthcare System, which runs Memorial Regional, Joe DiMaggio Children's, Memorial West, Memorial Pembroke and Memorial Miramar, has been out of Florida Blue's network since September 1, 2025 (Memorial). Broward Health, which runs Broward Health Medical Center in Fort Lauderdale, has been out since July 1, 2025 (Broward Health). Both sides say talks continue, but nothing has been signed.
What to do if these hospitals matter to you:
- Pick the network, not just the price. If your doctors, your children's pediatrician or a planned surgery are at Memorial or Broward Health, look at plans from insurers that include them, such as 22 Health, which is owned by both systems. Check the provider directory for your exact doctor before you enroll.
- Already on Florida Blue and in treatment? If you are pregnant, recovering from surgery or treating a serious condition, ask Florida Blue about continuity of care, which can keep in-network rates for a limited time (Florida Blue's page).
- Emergencies are protected. In a real emergency go to the closest ER. Emergency care is covered at in-network cost sharing even at an out-of-network hospital, under the federal No Surprises Act.
- Children on Florida Blue can get in-network hospital care from Nicklaus Children's inside Broward Health Medical Center and Broward Health Coral Springs since March 2026.
- Mark the dates. Choose by December 15 for a January 1 start, or by January 15, 2027 for February 1. After that you usually wait a year unless you have a life event.
Tell us which hospital and doctors you use and Charlyne will only show plans that include them. Her help is free.
Live in Broward, work in Miami-Dade
Miramar sits right on the Miami-Dade line, and a large share of residents drive south every day to jobs at the airport, in Doral, in Miami Gardens or downtown. That creates a common trap. Your plan is chosen by where you live, so you buy a Broward plan, but your doctors, your urgent care and the hospital you would reach in an emergency during the workday may be in Miami-Dade. Some HMO plans have narrow networks that stop at the county line.
Charlyne starts from both maps: the doctors and hospital near home (Memorial Miramar, Memorial Pembroke) and the ones near work (often Jackson North, Jackson Memorial or a Baptist Health center). She then shows the plans whose network covers both. Emergencies are covered at in-network cost sharing anywhere, but follow-up visits are not, so this matters for anyone with a chronic condition or children in care.
Miramar is also home to many Caribbean families, including Jamaican and Haitian households, where status can differ inside one family. From 2027, green card holders and Cuban and Haitian entrants keep federal tax credits, while other lawful statuses do not.
How it works
Tell us what you need
A two-minute form: who needs coverage, your ZIP code and your budget.
Charlyne compares plans
She compares the plans sold where you live and explains the real cost, not just the premium.
You choose and enroll
She helps you enroll and stays available when a bill or a claim does not make sense.
Miramar FAQ
I live in Miramar and work in Miami. Can I buy a Miami-Dade Obamacare (ACA) plan?
No. Marketplace plans follow your home address, so you choose from Broward plans. We pick one whose network also covers doctors near your work.
Is Memorial Hospital Miramar in network with Florida Blue?
Not as of November 2026. Memorial has been out of Florida Blue's network since September 1, 2025. Other Broward insurers include it. We check your plan before you enroll.
When does 2027 Open Enrollment end?
January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1.
Can I get help paying my premium?
Many people with income between 100% and 400% of the federal poverty level qualify for a tax credit, depending on immigration status and job-based coverage. Get a free quote to see your price.
Do you speak French or Creole?
Charlyne speaks French and English. For Kreyòl, Covering Florida Navigators offer help in several languages, including Kreyòl.
Is there a cost to work with YesOuiCare?
No. Our help is free, and the plan price is the same as on your own.
Ready to compare plans in Miramar?
A free quote from a licensed, bilingual broker. Or book a call and talk it through.