Health Insurance Broker in Pembroke Pines, FL
Pembroke Pines residents can buy Obamacare (ACA) Marketplace plans from November 1, 2026 to January 15, 2027; enroll by December 15 for a January 1 start. Nine insurers sell plans in Broward for 2027. YesOuiCare's licensed broker, Charlyne Rasolo, checks Memorial West, Memorial Pembroke and your doctors, for 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 Pembroke Pines?
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 West on North Flamingo Road has a 24/7 emergency room, and Memorial Hospital Pembroke is on Sheridan Street, both inside the city. Cleveland Clinic Weston Hospital is a short drive west in Weston.
- Urgent care: Memorial Urgent Care Pembroke Pines on Sheridan Street takes walk-ins every day, with shorter hours on weekends; check hours before you go. Florida Blue lists Nicklaus Children's pediatric urgent care and specialists in Pembroke Pines and West Pembroke Pines (Florida Blue).
- Free enrollment help: Besides us, HealthCare.gov Local Help lists certified helpers by ZIP, and the statewide Navigators at Covering Florida answer at 877-813-9115.
Which insurers sell 2027 Obamacare plans in Pembroke Pines?
Pembroke Pines 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.
Families in the western suburbs
Pembroke Pines is a family city: big school-age households, two working parents, often one of them self-employed or between jobs. The usual question is whether to put everyone on one Marketplace plan or split the family. Children in families with modest incomes can often get Florida KidCare even when the parents buy a Marketplace plan, and that can lower the family's total cost. If one parent has an employer plan, the rest of the family can only get tax credits when the family coverage offered by that job is considered unaffordable, a test that now looks at the cost of covering the whole family, not just the worker.
Pediatric care is the other big point. Joe DiMaggio Children's Hospital in Hollywood is part of Memorial, so it is out of Florida Blue's network for now, while Nicklaus Children's runs in-network services for Florida Blue members at Broward Health Medical Center. If your children see a specific pediatrician, start from that name. Charlyne checks the pediatrician, the hospital and the pharmacy before you choose.
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.
Pembroke Pines FAQ
Is Memorial Hospital West in network for 2027 Obamacare (ACA) plans?
It depends on the insurer. Memorial is out of Florida Blue's network since September 1, 2025, while other Broward insurers, including 22 Health, include Memorial. We check the exact plan before you enroll.
When is the deadline to have coverage on January 1, 2027?
Enroll by December 15, 2026. You can still enroll until January 15, 2027, with coverage starting February 1.
Can my children get Florida KidCare while I buy a Marketplace plan?
Often yes. KidCare eligibility depends on family income and the child's status. We help you check both at the same time.
I work in Miami-Dade but live in Pembroke Pines. Which plans can I buy?
You buy Broward plans because plans follow your home address. Check that doctors near your work are in network too.
Where is urgent care in Pembroke Pines?
Memorial Urgent Care Pembroke Pines on Sheridan Street takes walk-ins daily. Hours are shorter on weekends, so call ahead.
Does using a broker cost more?
No. Our help is free, and the plan price is the same as enrolling on your own.
Ready to compare plans in Pembroke Pines?
A free quote from a licensed, bilingual broker. Or book a call and talk it through.