Health Insurance in Miami: Your Complete Guide (2025)

Health insurance in Miami can feel complicated, but it doesn’t have to be. Whether you’re shopping for an ACA marketplace plan, Medicare coverage, or a private option, this guide explains the most important details for Miami residents.

We’ll cover costs, subsidies, local providers, and enrollment tips so you can make a confident choice.

Health Insurance Options in Miami

Most residents choose coverage through one of these paths:

• ACA Marketplace Plans – Bronze, Silver, Gold, and Platinum tiers available through Healthcare.gov
• Employer-Sponsored Insurance – Available if offered by your workplace
• Medicare – For those age 65+ or eligible due to disability
• Medicaid & CHIP – Income-based programs for low-income households
• Private & Short-Term Plans – For those needing temporary or supplemental coverage

Average Health Insurance Costs in Miami

• Individual ACA plan (age 40): ~$475/month before subsidies
• Family of four (Silver plan): ~$1,450/month before subsidies

With subsidies: Many families earning between 100%–400% of the federal poverty level qualify for premium reductions up to 70%.

In 2024, more than 850,000 Miami-Dade residents enrolled in ACA marketplace plans — one of the highest county-level enrollments in the U.S. (KFF).

Subsidies & Tax Credits in Miami

Miami families often qualify for premium tax credits.

Example:
A household of 3 earning $55,000/year could save $500+ per month on a Silver plan.

Requirements to qualify:

• File federal taxes
• File jointly if married
• Not be claimed as a dependent

Popular Providers & Networks in Miami

Major insurers serving Miami:

• Florida Blue (Blue Cross Blue Shield)
• Oscar Health
• AvMed
• Cigna
• Ambetter from Sunshine Health

Local Networks & Hospitals:

• Jackson Memorial Hospital
• Baptist Health South Florida
• University of Miami Health System

Tip: Always confirm your doctor is in-network before enrolling. Licensed agents can check specific providers for you.

Enrollment Deadlines for Miami

• Open Enrollment: November 1 – January 15 each year
• Special Enrollment Periods (SEP): Available if you move, lose coverage, get married, or have a child
• Medicare Enrollment: October 15 – December 7

Case Study: A Miami Family of Four

• Household Income: $65,000/year
• Selected Plan: Silver ACA Marketplace plan
• Gross Premium: $1,480/month
• Subsidy Applied: $890/month
• Net Cost: $590/month (nearly 60% savings)

Miami Health Insurance FAQs

What is the cheapest health insurance option in Miami?

For low-income households, Medicaid may be the lowest-cost option. For marketplace plans, Bronze plans usually have the lowest monthly premiums but higher deductibles.

Can I get short-term health insurance in Miami?

Yes. Florida allows short-term plans, but they may not cover essential health benefits (like maternity or mental health).

Which doctors accept ACA plans in Miami?

It depends on the plan. Use your insurer’s provider directory or ask a licensed agent to verify your doctor.

How do I get help enrolling in Miami?

You can work with:

• A licensed enrollment agent
• Call Healthcare.gov
• Visit a local enrollment assistance center