In Miami-Dade County, FL, there are 160 plans from 8 insurers: Florida Blue HMO (a BlueCross BlueShield FL company), Florida Blue (BlueCross BlueShield FL), Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next.
Bronze · 56
Silver · 58
Gold · 38
Example: a 40-year-old earning $31,920 a year (200% of the federal poverty level) gets a tax credit of about $557 a month. With it, the cheapest plan at each level costs:
Level
Monthly, with help
Without help
Insurer
Bronze
$0.00
$555.10
Florida Blue HMO (a BlueCross BlueShield FL company)
Silver
$180.25
$737.25
Florida Blue HMO (a BlueCross BlueShield FL company)
Gold
$136.93
$693.93
Oscar Health Maintenance Organization of Florida
Worth knowing: in this county, with the tax credit, the cheapest Gold plan costs less than the cheapest Silver plan.
In ZIP code 33136, the one with the most doctors in Miami, 15.2% of residents have no health insurance and 55.6% are Hispanic (Census Bureau, ACS ACS 2024 5-year).
Census data · Miami · ZIP 33136
Official demographics of the coverage area · ACS 2024 5-year
16,545
Total population
15.2%
Uninsured rate
No health coverage (ACS B27010)
$44,843
Median income
14,037
Population under 65
ACA-eligible age range
55.6%
Hispanic population
Source: US Census Bureau · ACS 5-year (Census Reporter)
Frequently asked questions about health insurance in Miami
How many insurers sell Marketplace plans in Miami?
For 2027, 8 insurers offer 160 plans in Miami-Dade County: Florida Blue HMO (a BlueCross BlueShield FL company), Florida Blue (BlueCross BlueShield FL), Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next.
How much does health insurance cost in Miami?
It depends on age, income and household. As an example, for a 40-year-old earning $31,920 a year (200% of the federal poverty level) the cheapest plan costs $0.00 a month after a tax credit of about $557 a month.
Are there $0 plans in Miami?
Yes, for some households. In the example (a 40-year-old earning $31,920 a year (200% of the federal poverty level)) there are Bronze plans with a $0 monthly premium. A $0 premium usually comes with a higher deductible, so compare before choosing.