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. Keep reading for what's sold in Miami-Dade County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near West 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: West 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.
Before you call an agent
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
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
How much is health insurance in West 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.
Where can I buy health insurance in West Miami?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Florida Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Health insurance in nearby cities
- Coral Terrace, FL under 1 mile
- Westchester, FL 3 miles
- Fountainebleau, FL 3 miles
- South Miami, FL 3 miles
- Olympia Heights, FL 4 miles
- Glenvar Heights, FL 4 miles
- Coral Gables, FL 4 miles
- Miami Springs, FL 4 miles
- University Park, FL 5 miles
- Sunset, FL 5 miles