Here, the sensitivity of the Casimir force in a three-layer microsystem is investigated by considering a FERROFLUID as the middle layer and plates with different optical properties via Lifshitz theory. The plate materials are made of gold (Au), silica (SiO2), and silicon carbide (SiC) to cover a wide range of conductivity. It is observed that by changing the plates from a good conductor to a poor conductor, the magnitude of the Casimir force decreases significantly, and if the gap between the plates is filled with a liquid layer, this decrease is even greater. The results show that the presence of a FERROFLUID, formed by adding ferric oxide (Fe3O4) magnetic nanoparticles to kerosene (C12H26-C15H32), leads to a reduction in the Casimir force. Moreover, increasing the nanoparticle concentration (at a constant diameter) causes a significant decrease in the Casimir force, while increasing the nanoparticle diameter (at a constant concentration) strengthens the Casimir force. The results indicate that the optical properties of the plates have a significant impact on this behavior. It has also been observed that at a fixed distance between the plates, the addition of magnetic nanoparticles with a specific diameter has no effect on the magnitude of the Casimir force compared to the case where the middle layer of fluid is nonmagnetic, and considering this point is very important in the design of microelectromechanical systems (MEMS) that operate under magnetic effects.