What does coverage cost in Miami? A 40-year-old in Miami-Dade County paid about $684 a month for the benchmark silver plan in 2026, before any subsidy; statewide, the 2027 average is $738. Most marketplace shoppers pay less after the premium tax credit, and a broker can show you your exact number.
There are 267 health insurance agencies within 25 miles of Miami, FL. The 15 listed here are the closest local agents, from single-agent offices to larger agencies, sorted by distance from the center of Miami.
Health Insurance Agents near Miami
Licensed agents can compare plans available in Miami-Dade County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Miami
- Jackson Health System, Miami-Dade's public hospital network, and Baptist Health South Florida are two of the big networks worth checking against any plan's provider list before you enroll in Miami. Source
- Public health services in Miami are provided by the Florida Department of Health in Miami-Dade County (DOH-Miami-Dade), the state health department's local office. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Questions to ask before you choose
Which carriers can you quote in Miami-Dade County? Are you certified to enroll people through the HealthCare.gov? Will you help me at renewal next year?
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
What a local agent does
Agents licensed in Florida can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Checking an agent's license in Florida
- Florida's Department of Financial Services runs a free online Licensee Search. It shows an agent's contact details, valid licenses, active appointments and the insurers the agent can write with. Source
- The Florida Department of Financial Services is the state agency that licenses insurance agents, including health agents, in Florida. Source
Free enrollment help in Florida
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
How many agencies are near Miami?
Our listings show 267 health insurance agencies within 25 miles of Miami and 437 within 50 miles.
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
Agents in nearby cities
- Miami Springs, FL 6 miles
- West Miami, FL 6 miles
- North Bay Village, FL 6 miles
- Pinewood, FL 6 miles
- Miami Shores, FL 6 miles
- Coral Terrace, FL 6 miles
- Coral Gables, FL 7 miles
- Key Biscayne, FL 7 miles
- Westview, FL 7 miles
- South Miami, FL 7 miles