Health Insurance Plans in Miami-Dade County, Florida
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to residents of Miami-Dade County. County seat: Miami. Get a free quote from a licensed advisor.
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Health Insurance in Miami-Dade County at a Glance
Key coverage details for Miami-Dade County, Florida.
ZIP Codes in Miami-Dade County
We cover health insurance information for these Miami-Dade County ZIP codes:
ACA Marketplace Plans in Miami-Dade County
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Marketplace Works in Miami-Dade County
Residents of Miami-Dade County enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Miami-Dade County
These insurance companies offer ACA marketplace plans in Miami-Dade County:
- Ambetter
- Oscar Health
- Florida Blue (BCBS)
- Molina Healthcare
- UnitedHealthcare
- Freedom Health
- Health First
Carrier availability varies by city and ZIP code. A licensed advisor can tell you exactly which plans are available in your area.
Medicaid in Miami-Dade County
Florida has not expanded Medicaid under the ACA.
Florida has not expanded Medicaid under the ACA. There is a coverage gap for some low-income residents in Miami-Dade County who earn too much for traditional Medicaid but too little for ACA marketplace subsidies. Short-term plans and ancillary products can help bridge this gap.
Check Your Eligibility →Short-Term Health Insurance in Miami-Dade County
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Florida
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals in Miami-Dade County who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Miami-Dade County?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Major Hospitals in Miami-Dade County
Access quality healthcare at these facilities in the county.
Jackson Memorial Hospital
Miami-Dade County, FL
Baptist Hospital of Miami
Miami-Dade County, FL
Cities in Miami-Dade County County
Find health insurance information specific to your city in the county.
Ancillary Plans in Miami-Dade County
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →