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. The rest of this page covers your coverage options in Miami, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies 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 866-645-8540Health insurance at a glance: Miami, FL
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $738/mo before subsidies |
| Miami-Dade County benchmark (2026) | $684/mo |
| Plans offered in Miami-Dade County (2026) | 189 |
| Plan types | HMO, EPO, PPO, POS |
| Marketplace insurers in Florida (2027) | 10 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local 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.
How to get ready
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
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
Which insurers sell marketplace plans in Florida?
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.
Where can I buy health insurance in Miami?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Miami?
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 licensed agent can quote your exact price.
Health insurance in nearby cities
- Brownsville, FL 3 miles
- Gladeview, FL 4 miles
- Miami Beach, FL 5 miles
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- West Miami, FL 6 miles
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- Pinewood, FL 6 miles
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