Compare ACA marketplace plans, private insurance, and local carrier options available to Miami residents in 2026. Licensed brokers help you find the lowest rate.
Get Your Miami Quote →Living in Miami gives you access to all plans available statewide on HealthCare.gov, plus direct-purchase private plans from major Florida carriers. Since Florida has not expanded Medicaid, ACA subsidies are the most important cost-saving tool for Miami residents.
Enroll during Open Enrollment (Nov 1 – Jan 15) or during a Special Enrollment Period. Tax credits based on your income can make Silver plans extremely affordable.
Available year-round directly from carriers. Good for those who don't qualify for subsidies or need immediate coverage outside open enrollment.
Temporary plans to bridge a gap. Lower cost but limited benefits — not a substitute for comprehensive coverage.
| Carrier | Rating | Est. Monthly Premium |
|---|---|---|
| Florida Blue | ★★★★★ | $430–$490/mo |
| Molina Healthcare | ★★★★☆ | $380–$435/mo |
| Oscar Health | ★★★☆☆ | $355–$415/mo |
Premiums for a 40-year-old non-smoker in Miami, FL before subsidies.
Our licensed FL brokers shop every plan available in Miami and find your exact subsidy amount. Takes under 5 minutes.
Get Free Miami Quotes →The benchmark Silver plan in Miami averages approximately $445/month before ACA subsidies. With tax credits (available to households earning 100–400% of the federal poverty level), many Miami residents pay $0–$150/month.
Florida Blue is consistently top-rated in Florida for network size and member satisfaction. However, the best plan for Miami residents depends on your preferred doctors, prescription needs, and income level.
Yes — licensed brokers at TrustedQuotes can enroll you in any plan available in Miami at no extra cost. The broker fee is paid by the insurance company, not you.
Hospital networks vary by carrier. Before enrolling, ask your broker to verify that your preferred Miami hospital and doctors are in-network. This is the most common source of surprise bills.