Who buys their own coverage in Miami-Dade
Miami-Dade runs on small businesses, service work and people who work for themselves. You might cook in a Brickell restaurant, clean hotel rooms on Miami Beach, frame houses in Homestead or run a one-person shop in Hialeah. Most of those jobs come with no health plan. For full coverage the Marketplace is the main road, and your tax credit depends on what your household expects to earn in 2027.
Many families here speak Spanish at home, and this page has a Spanish version. One hard spot: Florida did not expand Medicaid, so adults with income under the poverty line often get no tax credit and no Medicaid. Children under 19 may still qualify for Florida KidCare any time of year.
Companies selling Obamacare plans in Miami-Dade
In 2026, 9 companies sold Marketplace plans across all of Miami-Dade County, with 189 plans between them: Florida Blue (65 plans), Ambetter Health (26), Molina Healthcare (21), UnitedHealthcare (17), Oscar Health (15), Cigna Healthcare (13), Wellpoint (13), AvMed (11) and AmeriHealth Caritas Next (8). None of them served only part of the county.
| Company | Plans | Plan types | Metal levels |
|---|---|---|---|
| Florida Blue | 65 | EPO, HMO, POS, PPO | Bronze, Silver, Gold, Platinum |
| Ambetter Health | 26 | HMO | Bronze, Silver, Gold |
| Molina Healthcare | 21 | HMO | Bronze, Silver, Gold |
| UnitedHealthcare | 17 | HMO | Bronze, Silver, Gold |
| Oscar Health | 15 | HMO | Bronze, Silver, Gold |
| Cigna Healthcare | 13 | EPO, HMO | Bronze, Silver, Gold |
| Wellpoint | 13 | HMO | Catastrophic, Bronze, Silver, Gold |
| AvMed | 11 | HMO | Bronze, Silver, Gold |
| AmeriHealth Caritas Next | 8 | HMO | Bronze, Silver, Gold |
Source: CMS Marketplace public use files, plan year 2026. Lists for 2027 can change; your quote shows the current plans.
Most of those plans are HMOs, where you usually stay inside the plan's network and may need a referral for a specialist. Florida Blue was the only company here with PPO and POS plans, and Cigna also had EPO plans. Only Florida Blue offered Platinum, and only Wellpoint had a Catastrophic plan (under 30 or with a hardship exemption). The 2027 list can change, and your quote shows the current plans.
Jackson, Baptist, UHealth: check the network first
People in Miami-Dade ask about the same hospitals: Jackson Health System, Baptist Health South Florida, University of Miami Health System (UHealth), Mount Sinai Medical Center and, for kids, Nicklaus Children's Hospital. Networks differ from plan to plan, even inside one company, so we won't tell you a plan includes a hospital. Look up your hospital and doctors in each plan's directory, or ask a licensed agent to check with you for free.
Prices in Miami-Dade
The table shows UnitedHealthcare Health ProtectorGuard (HPG) prices for a 40-year-old in Miami-Dade. HPG prices are the same in every Florida county we quoted and depend on age, sex and tobacco use. ACA prices depend on your income, so run the quote to see them with your tax credit already taken off.
UnitedHealthcare Health ProtectorGuard here, woman age 40, no tobacco
- Select 2000$145.80a month
- Preferred 4000$229.71a month
- Premier 5000$313.19a month
Source: October 24, 2026, ZIP 33131.
ACA Marketplace
ACA prices depend on your income and age. Run the form to see your exact prices with your tax credit.
HPG is fixed indemnity insurance, and it is not full health insurance. It pays set amounts, for example $80 per doctor visit on Select 2000, whatever the bill turns out to be. It has no out-of-pocket maximum, it is not minimum essential coverage and it asks health questions. Read ACA vs fixed indemnity before you choose.
Miami-Dade ZIP codes
We have 81 Miami-Dade ZIP codes on file. A few near the county line also reach into a neighboring county. If yours does, the quote asks which county you live in, because plans are sold by county.
ZIP codes in Miami-Dade County. If yours spans two counties, the form asks which one.
330103301233013330143301533016330183303033031330323303333034330353303933054330553305633101331093312233125331263312733128331293313033131331323313333134331353313633137331383313933140331413314233143331443314533146331473314933150331543315533156331573315833160331613316233165331663316733168331693317033172331733317433175331763317733178331793318033181331823318333184331853318633187331893319033193331943319634141
2027 Open Enrollment dates
Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Enroll by December 15 for a plan that starts January 1. If you lose job coverage or have a baby during the year, you get a Special Enrollment Period, usually 60 days.
- Open Enrollment opens
- Last day to pick a plan that starts January 1
- Open Enrollment ends. Plans picked from Dec 16 start February 1
After that you need a Special Enrollment Period (a life event like losing coverage, moving, marriage or a baby). Medicaid and Florida KidCare take applications any time.
Source: HealthCare.gov dates for 2027 coverage
We are not HealthCare.gov or a government site. You compare prices here, then finish the Marketplace application on HealthSherpa, a private site connected to the federal Marketplace. Live just north? See Broward County, or browse every Florida county we cover.
Common questions
Which companies sell Obamacare plans in Miami-Dade County?
In 2026 there were 9: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare, Oscar Health, Cigna Healthcare, Wellpoint, AvMed and AmeriHealth Caritas Next, with 189 plans. The 2027 list may change.
Do Marketplace plans in Miami-Dade include Jackson Health System?
Some plans may and others may not, and networks change every year. Search the plan's provider directory before you enroll, or ask a licensed agent to look with you.
Can I compare plans in Spanish?
Yes. This page is in Spanish too, and the chat on the site answers in Spanish.
My income is too low for a tax credit. What can I do?
In Florida, adults under 100% of the poverty level usually get no tax credit and often can't get Medicaid. Apply through ACCESS Florida to be sure, and check Florida KidCare for your children.
I work for myself in Miami. Can I still get a tax credit?
Yes, if your 2027 household income falls between 100% and 400% of the poverty level. Estimate your net business income and update the Marketplace when it changes. See our self-employed guide.