Pembroke Pines is one of Broward County's largest cities and has a strong small business base spanning healthcare-adjacent services, retail, professional services, and construction. Setting up employee health insurance here is straightforward, and Broward County's competitive carrier environment means you have genuine options at every budget level — from the lowest-cost Bronze HMO to comprehensive Gold PPO coverage.
As a Broward County business, Pembroke Pines falls in the same rating area as Fort Lauderdale — premiums are identical across the county. Rates are moderately higher than Central Florida but notably lower than Miami-Dade, and you have Memorial Healthcare System right in the area, which is in-network for most major carriers.
Carriers Serving Pembroke Pines
- Florida Blue — largest network; Memorial Healthcare and Broward Health in-network; both HMO and PPO options available
- Oscar — strong Broward presence; $0 Oscar Care virtual visits; 10–15% below Florida Blue for Bronze/Silver; particularly popular with younger workforces
- Ambetter — most affordable option; MeMD telehealth; narrower panel but adequate for primary/urgent care needs
- Aetna — HMO and PPO; good option for employers with employees who travel frequently or need out-of-network flexibility
Pembroke Pines Cost Estimates
Broward County small group plans at 65% employer contribution:
- Bronze HMO: $400–$520/employee/month; employer share ~$260–$338
- Silver HMO: $475–$605/employee/month; employer share ~$309–$393
- Gold HMO: $565–$710/employee/month; employer share ~$367–$462
If your Pembroke Pines business has fewer than 25 employees and average wages under $62,000, check SHOP marketplace eligibility — you may qualify for a tax credit up to 50% of employer premiums. We check SHOP eligibility for every small group we work with in Broward County.
Pembroke Pines healthcare workers: If your business is in home health, physical therapy, dental support, or other healthcare-adjacent fields, we find that employees in these sectors tend to have stronger preferences about specific hospital networks. We'll review your employees' provider relationships before recommending a carrier.