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Affordable Health Insurance in Miami, FL

Find health insurance plans in Miami starting at approximately $530/month. Compare 90+ plans from 4 carriers in Miami-Dade County.

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Health Insurance in Miami, Florida

If you live in the Miami-Fort Lauderdale-Pompano Beach area, your health insurance options are determined by Miami-Dade County marketplace data. For 2026, the benchmark silver plan premium for a 40-year-old in your county averages $530 per month before any premium tax credits are applied. With 90+ plans available from 4 carriers, comparing your options is essential to finding the right balance of cost and coverage.

Miami has a population of approximately 440,000 and is home to major employers including Baptist Health South Florida, University of Miami, Royal Caribbean. Whether you work for a large employer, run your own business, or are between jobs, a licensed health insurance broker can help you navigate the Miami market at no additional cost.

Available Health Insurance Carriers

Florida Blue
Ambetter
Molina
Oscar

Based on Miami-Dade County 2026 marketplace data.

Coverage Quick Facts

Benchmark Premium

$530/mo

Plans Available

90+

County

Miami-Dade

Carriers

4 carriers

Explore all health insurance options in Florida, compare plan types including HMO, PPO, and HDHP, or learn about supplemental dental and vision coverage to complement your major medical plan.

Compare Plans in Miami

A licensed advisor can walk you through plans in Miami-Dade County — free, no obligation.

Call 866-981-8620

Miami Health Insurance FAQ

What health insurance companies are in Miami, FL?

Health insurance carriers serving Miami in Miami-Dade County for 2026 include Florida Blue, Ambetter, Molina, Oscar. Plan availability and pricing vary by county, so the specific plans you can access depend on your ZIP code within the Miami-Fort Lauderdale-Pompano Beach area.

How much is health insurance in Miami?

The 2026 benchmark silver plan premium in Miami-Dade County averages approximately $530/month for a 40-year-old before premium tax credits. Your actual cost depends on your age, income, household size, and chosen metal tier. A licensed broker can help you find the most affordable option.

Can I get health insurance in Miami outside of open enrollment?

Yes, if you qualify for a Special Enrollment Period through a qualifying life event — losing employer coverage, getting married, having a baby, or moving to Miami. Short-term health plans are also available year-round in most areas as temporary coverage.

How do I enroll in health insurance in Miami?

You can enroll through the health insurance marketplace or by calling a licensed broker at 866-981-8620. A broker compares all available plans in Miami-Dade County at no extra cost to you, helping you find the right coverage for your budget.

Looking for health insurance in Miami? Talk to a licensed advisor today.

Call 866-981-8620

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