Are Broward Health and Memorial in Florida Blue's network?
Both hospital systems say they are out of network with Florida Blue. Broward Health gives July 1, 2025 as its effective date; Memorial Healthcare System gives September 1, 2025 for its hospitals and facilities. Check again before choosing a plan because contracts can change.
| Hospital system | What the system says | What to do |
|---|---|---|
| Broward Health | Out of network with Florida Blue since July 1, 2025. | Ask Florida Blue and your Broward Health doctor about your plan and any continuity of care. |
| Memorial Healthcare System | Its hospitals and facilities are out of network with Florida Blue since September 1, 2025. | Check the exact hospital, physician and plan before arranging nonemergency care. |
Florida Blue also says Broward Health is out of its network and says it is continuing negotiations. Broward Health and Florida Blue disagree about the terms needed for an agreement. Neither statement guarantees what will happen next.
Emergency care remains available. Federal surprise billing protections generally limit your cost sharing for covered emergency services even at an out of network facility. Your plan's normal cost sharing can still apply. Ask your insurer about your specific situation.
Which Marketplace plans do the hospital systems name?
Broward Health and Memorial publish different participation information. These are starting points for a conversation, not a list of plans guaranteed to be offered in your ZIP code or accepted in 2027.
| Plan company | Broward Health | Memorial Healthcare System |
|---|---|---|
| 22 Health | Lists exchange plans for hospitals and physicians. | Lists 22Health for exchange. |
| Ambetter | Lists exchange plans for hospitals and physicians. | Lists Ambetter Exchange, but excludes Ambetter Health Solutions. |
| AvMed | Lists exchange plans for hospitals and physicians. | Lists AvMed Exchange. |
| Oscar | Lists Oscar Health Maintenance Organization of Florida exchange plans. | Lists Oscar Insurance Company of Florida for exchange. |
| Molina | Not named in its exchange section. | Lists Molina Marketplace. |
Ask both the insurer and the hospital about the exact 2027 plan, facility and doctor. Hospital participation does not guarantee that every physician is in the same network, and networks can change. A plan not named in Broward Health's exchange section should be checked; the omission alone does not prove it is out of network. Memorial explicitly excludes Ambetter Health Solutions, so do not rely on the Ambetter name alone.
What if my 2026 plan is not offered in 2027?
Cigna says it will no longer offer individual and family medical plans for 2027. Its commercial or Medicare products should not be confused with the individual Marketplace business.
If you had a Cigna individual plan, read your notices and compare your 2027 options instead of assuming that the replacement has the same network. A hospital may still name Cigna in a general insurance table even when its individual plan is no longer being sold.
Florida's insurance department says companies can sell plans on the Marketplace, off it, or both, and availability depends on location. Use your own ZIP code to see the actual choices.
When can Fort Lauderdale residents enroll?
Florida uses HealthCare.gov. Open enrollment for 2027 runs November 1, 2026 through January 15, 2027. Select a plan by December 15 and pay the first premium for coverage beginning January 1.
Plans selected December 16 through January 15 generally start February 1 after the first premium is paid. If you have coverage through a job or Medicare, those enrollment periods are different.
How do I compare cost as well as hospital access?
- Write down the exact hospital, physician and medications your household needs.
- Ask the hospital and insurer if the 2027 plan and network include each provider. Ask about care already underway and any continuity protections.
- Update your expected household income on your Marketplace application to see whether you qualify for a premium tax credit or extra savings on a Silver plan.
- Use our health plan comparison calculator to compare two plans' annual premiums and estimated medical costs. It leaves out flat copays, prescriptions and out of network costs.
- Choose a plan by December 15 if you need a January 1 start, and pay the first premium.
We can help compare available plans and check the questions to ask. Have your current insurance card, preferred doctors and prescriptions ready. You can also use HealthCare.gov or a Marketplace navigator.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
- Detailed guide · FloridaFlorida Blue
- Insurer · Florida22 Health
- Insurer · FloridaAmbetter Health
- Insurer · FloridaAvMed
- Insurer · FloridaFlorida Blue (BlueCross BlueShield FL)
- Insurer · FloridaFlorida Blue HMO (a BlueCross BlueShield FL company)
- Insurer · FloridaOscar Health Maintenance Organization of Florida
- Medicare Advantage · FloridaFlorida Blue
- Medicare Advantage · FloridaFlorida Blue HMO
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