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Fort Lauderdale · Broward County

Health Insurance in Fort Lauderdale From a Local Broker Who Compares Every Option

Independent advice for Fort Lauderdale and Broward County: we compare full comprehensive health plans from 30+ carriers, check your doctors, and show the expected yearly cost. Free to you.

Family in Fort Lauderdale, Florida
Key points
  • COBRA lets you keep your old employer plan, but you pay the full premium plus up to 2%, often far more than you expect.
  • An individual health plan in Florida can cost less than COBRA for the same doctors. Compare before you elect.
  • Self-employed Fort Lauderdale residents may be able to write off 100% of their premiums.
  • We’re a local, independent health insurance agent based in Broward County.

Our office sits on Sawgrass Corporate Parkway in Broward County, so Fort Lauderdale isn’t just a service area for us. It’s home base. If you’ve been searching “health insurance near me” in Fort Lauderdale, you can work with a licensed broker who knows the area and handle everything by phone or video.

Fort Lauderdale’s economy has a lot of movement in it: marine and yachting jobs, hospitality, port and logistics work, and a growing number of remote professionals. People change jobs, go independent, or start businesses, and every one of those moves raises the same question: what happens to my health insurance? This guide answers it, starting with the decision that catches the most people off guard: COBRA.

Lost Your Job or Changing Jobs in Fort Lauderdale? Read This Before Electing COBRA

When you leave an employer, you’ll get a COBRA election notice. It feels like the safe choice because it’s the same plan and the same doctors. The catch is the bill: your employer was likely paying a large share of the premium, and under COBRA you pay all of it, plus up to a 2% administrative fee.

Here’s what many Fort Lauderdale residents don’t know: you usually have 60 days to elect COBRA, and coverage is retroactive to the day your old plan ended. That gives you time to compare. We pull quotes on individual plans with PPO networks that include Broward Health, Memorial or Holy Cross doctors, line them up against your COBRA cost, and show you the difference in dollars.

Worked for a small company? If your employer had fewer than 20 employees, federal COBRA doesn’t apply. Florida’s mini-COBRA law generally lets you continue for up to 18 months, but at up to 115% of the group premium. That’s an even stronger reason to compare.

Individual and family coverage in Fort Lauderdale

Fort Lauderdale families often juggle job changes in hospitality, marine and service industries, so coverage can shift mid-year. We help families line up a new plan so children's pediatricians and any ongoing prescriptions stay covered during the transition, and we check whether a spouse's employer plan or an individual family plan costs less overall.

Self-employed and 1099 workers in Fort Lauderdale, such as yacht crew and captains, marine contractors, hospitality workers, real estate agents and remote consultants, can compare individual plans, private PPO options or ACA marketplace coverage. Families can start with our guide to family health insurance.

Small business health insurance in Fort Lauderdale

Fort Lauderdale's small employers include marine services, yacht crews and brokerages, hospitality groups and professional offices. Seasonal staffing and part-time roles affect who is eligible for a group plan, so we review your workforce first and then compare group coverage, level-funded plans and ICHRA arrangements.

Whether you run a marine services company near Port Everglades, a restaurant on Las Olas, or a contracting business in Oakland Park, see how small group health insurance works, including level-funded plans and ICHRA.

Doctors and hospitals in Fort Lauderdale

Health systems serving Fort Lauderdale and Broward County include Broward Health, Memorial Healthcare System, Holy Cross Health and Cleveland Clinic Florida in nearby Weston. Networks differ by carrier and plan, so we check your doctors, hospitals and prescriptions against each plan’s directory before recommending anything.

Situations we help with in Fort Lauderdale

Laid off from a corporate job

COBRA quote is high. Wants to keep a Broward Health specialist and compare a PPO plan.

Yacht captain going independent

Moving to 1099 income, needs individual coverage that travels and wants to deduct the premium.

Family business in Oakland Park

Needs small business health insurance for the owner’s family and a few key employees.

How we help Fort Lauderdale residents compare options

When you're leaving a job, timing is everything. Send us your COBRA election notice, and we'll compare its monthly cost and network against individual and private PPO options before your election window closes, so you can decide with the numbers side by side.

There is no fee for our advice; carriers compensate brokers. Call (321) 442-6966 or request a free comparison below. Leaving a job? Compare COBRA alternatives first.

Areas we serve in and around Fort Lauderdale

  • Las Olas
  • Victoria Park
  • Flagler Village
  • Coral Ridge
  • Rio Vista
  • Wilton Manors
  • Oakland Park
  • Plantation
  • Sunrise
  • Pompano Beach

General information only, not tax, legal or medical advice. Plan availability, networks, benefits and pricing vary by carrier, plan and ZIP code. Some plans are medically underwritten and may limit pre-existing conditions. Hospital names are listed for reference only and do not indicate network participation. Stratton Advisory Group is an independent agency and is not affiliated with any insurance carrier or health system.

FAQ

Fort Lauderdale health insurance questions

Is COBRA or an individual plan cheaper in Fort Lauderdale?

It depends on your health, age and the plan you’re leaving, but individual plans are often cheaper because COBRA charges the full employer premium plus up to 2%. We compare both side by side before your election window closes.

How long do I have to elect COBRA in Florida?

Under federal COBRA you generally have 60 days from the later of your coverage loss or your election notice. If you elect, coverage is retroactive. Florida’s mini-COBRA for employers under 20 employees has its own notice and election rules, so check your paperwork.

Is there a health insurance broker near me in Fort Lauderdale?

Yes. Our office is at 1550 Sawgrass Corporate Pkwy in Broward County. We work with Fort Lauderdale clients by phone or video.

Can I keep my doctor at Holy Cross or Broward Health?

Often, yes. We check your specific doctors and hospitals against each plan’s network before you apply, because networks vary by carrier and plan.

Do you charge a fee for comparing plans?

No. Our service is free to you; carriers compensate brokers. You pay the same premium you’d pay going direct.

I work on yachts and travel for months. What coverage works?

If you're away from Florida for long stretches, look closely at how a plan covers care outside its network and outside the U.S. Some crew members also have employer or international coverage. We review what you have and what fills the gaps.

Does Broward County have different plans than Miami-Dade?

Plan availability and networks are set by county, so the options for a Broward ZIP code can differ from Miami-Dade. We quote based on your exact ZIP code.

Free Consultation

Changing jobs in Fort Lauderdale? Compare COBRA first.

Tell us who needs coverage and what matters to you. We will compare your options across carriers and walk you through them in plain language.

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