Miami-Dade County has some of Florida's highest uninsured rates — but also the most ACA carrier options and some of the best subsidies in the state. Here's what your neighbors are actually paying in 2026, and how to find out what you qualify for.
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Good news for Miami residents: Miami-Dade has Florida's most competitive ACA market. Five major carriers are fighting for your business, which keeps premiums lower than you'd expect. Here's what's available and what to know about each one:
These are estimated monthly premiums for a Silver plan after federal subsidies are applied. Your exact cost depends on your age, the specific plan, and which carrier you choose.
| Household Size | Income Range | % of FPL | Est. Monthly Premium | Subsidy Level |
|---|---|---|---|---|
| 1 person | Under $15,060 | Under 100% | Medicaid (check eligibility) | Check Eligibility |
| 1 person | $15,060 – $22,590 | 100–150% | $0/month | Maximum Subsidy |
| 1 person | $22,590 – $37,650 | 150–250% | $0 – $80/month | High Subsidy |
| 1 person | $37,650 – $60,240 | 250–400% | $80 – $250/month | Moderate Subsidy |
| Family of 4 | Under $31,200 | Under 100% | Medicaid (check eligibility) | Check Eligibility |
| Family of 4 | $31,200 – $46,800 | 100–150% | $0 – $30/month | Maximum Subsidy |
| Family of 4 | $46,800 – $78,000 | 150–250% | $30 – $200/month | High Subsidy |
| Family of 4 | $78,000 – $124,800 | 250–400% | $200 – $600/month | Moderate Subsidy |
Estimates based on 2026 FPL guidelines. Florida did not expand Medicaid — residents below 100% FPL without dependent children may not qualify for Medicaid. Get your exact numbers →
Miami's insurance market is genuinely different from the rest of Florida — and usually in your favor if you know what to look for.
Miami's large Hispanic community means most residents can navigate insurance in Spanish. Every major carrier in Miami-Dade — Florida Blue, Ambetter, Molina, Oscar, Bright — offers Spanish-language enrollment and customer service. Our licensed bilingual agents are available through FL Health Guide at no cost to you. Hablamos español.
After the COVID-era Medicaid continuous enrollment ended, hundreds of thousands of Floridians lost their Medicaid coverage. If this happened to you or a family member, you likely qualify for a Special Enrollment Period right now — which means you can enroll in an ACA plan outside of Open Enrollment. Don't wait the full year. Call us to check.
The enrollment process is simpler than most people expect. Here's exactly what happens when you work with FL Health Guide:
In Miami-Dade County, unsubsidized ACA plans range from $180–$650/month depending on age, plan tier, and carrier. However, most residents qualify for federal subsidies — many pay $0–$60/month after tax credits. The five competing carriers in Miami keep prices more competitive than most Florida counties. Use our tool above to see your exact cost.
Miami-Dade County has Florida's widest carrier selection: Florida Blue (BCBS), Ambetter from Sunshine Health, Molina Healthcare, Oscar Health, and Bright Health. Each has different network strengths. Florida Blue has the widest hospital network (Jackson Health, Baptist Health). Ambetter and Molina tend to have the lowest premiums for subsidy-eligible residents. Oscar leads on telehealth and digital experience.
Many Miami residents qualify for $0 or very low-premium plans. A single adult earning under $35,000/year likely qualifies for enhanced subsidies. A family of four earning under $62,000/year also typically qualifies. The enhanced subsidies from the Inflation Reduction Act remain in effect for 2026. Fill out the form above to check your specific eligibility in about 2 minutes.
Yes. All major ACA carriers in Miami-Dade offer Spanish-language enrollment and customer service. Licensed bilingual agents are available through FL Health Guide at no cost to you. Just mention you prefer Spanish when you call (888) 990-4921 and we'll connect you with a Spanish-speaking agent.
Open Enrollment runs November 1 – January 15 each year. Special Enrollment Periods are available year-round for qualifying life events: losing a job, getting married, having a baby, moving to Miami, or a change in income. If you recently lost Medicaid or CHIP coverage, you likely have a Special Enrollment Period available right now. Call us to check — it takes about 5 minutes to find out.
Looking for coverage information in a neighboring city? These South Florida cities are served by many of the same carriers as Miami-Dade:
Free service. Licensed Florida agents. Takes 2 minutes. Many Miami residents are surprised to find out how little they actually owe.
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