Before subsidies, the benchmark silver plan for a 40-year-old in Miami-Dade County cost about $684 a month for 2026, and the Florida average for 2027 is $738 a month. Premium tax credits bring that down for many households, depending on income and family size. 11 insurers offered marketplace plans in Miami-Dade County for 2026.
A health insurance broker in Miami works for you, not for one insurance company. Brokers are licensed in Florida to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 12 brokerages near Miami, sorted by distance.
Health Insurance Brokers 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.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Florida.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Miami broker can quote
For 2027, marketplace plans in Florida come from 10 insurers: Florida Blue (BCBS of Florida / Health Options), AmeriHealth Caritas, AvMed, Capital Health Plan, Ambetter (Centene Venture; Sunshine State members transition in), Florida Health Care Plans, Health First, Oscar Health, UnitedHealthcare and Wellpoint (Simply Healthcare). Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
A quick checklist
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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
Frequently asked questions
How do I find a good health insurance broker in Miami?
Look for a broker licensed in Florida who can quote several carriers, is certified with the HealthCare.gov, and has reviews from local clients. You can verify any license with the Florida insurance regulator.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
Brokers in nearby cities
- Brownsville, FL 3 miles
- Gladeview, FL 4 miles
- Miami Beach, FL 5 miles
- West Little River, FL 5 miles
- 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