Health Insurance in Miami, Florida

Health Insurance in Miami, FL — Find the Right Plan for Your Family

Miami-Dade County is one of the most vibrant, diverse, and fast-moving communities in the United States — but it is also one of the least insured. According to the US Census Bureau, 16.7% of adults under 65 in Miami-Dade County lack health insurance, a rate higher than both the Florida state average (13.9%) and the national average. For many Miami families — especially those who are self-employed, work in the service industry, or recently moved from abroad — finding the right coverage can feel overwhelming. That is exactly where Mercy Makarevich comes in.

As a licensed health insurance broker based in South Florida, Mercy specializes in helping Miami residents navigate the ACA Marketplace, Medicare, and life insurance options available in Miami-Dade County. Whether you live in Coral Gables, Hialeah, Doral, Kendall, or downtown Miami, Mercy works directly with you — in English or Spanish — to find a plan that fits your life and your budget.

Every Miami-Dade address is priced as one county market, so the plans available in Little Havana and Kendall are drawn from the same list — but networks inside that list vary widely. For how coverage works statewide, see our Florida health insurance guide.

ACA Marketplace Plans for Miami Residents

If you are self-employed, between jobs, or your employer does not offer coverage, the ACA Marketplace (also known as Obamacare) may provide comprehensive coverage. Depending on household income and other eligibility rules, premium tax credits can lower monthly premiums, potentially to $0 for some plans and applicants. Mercy helps estimate potential eligibility, compare Miami-Dade options from represented carriers, and apply during annual Open Enrollment or a qualifying Special Enrollment Period. The Marketplace application determines final eligibility and credit amounts.

Miami-Dade has one of Florida's most competitive individual markets: 10 insurers offer on-exchange plans for 2026, against a statewide county median of 4. Most of those plans are HMOs, so checking the network comes before comparing price. Learn how Obamacare works in Florida, estimate your savings with the ACA subsidy calculator, and compare finalists by total yearly cost with the health plan cost calculator.

Lost Job Coverage in Miami? COBRA vs. the Marketplace

Miami's tourism, hospitality, logistics, and cruise-industry jobs turn over often, and each change can end employer coverage. You generally have at least 60 days to elect COBRA and 60 days from losing coverage to choose a Marketplace plan. COBRA keeps your current doctors but usually costs the full premium plus up to 2%, while a subsidized Marketplace plan may cost much less with a new deductible. The COBRA vs. ACA comparison tool shows the tradeoff in dollars before you decide.

Medicare Coverage in Miami-Dade

Miami is home to a large and growing senior population. If you or a loved one is approaching 65 or already enrolled in Medicare, understanding your options in Miami-Dade is critical. From Original Medicare to Medicare Advantage plans available through Florida carriers, there is significant variation in what is covered and what you will pay out of pocket. Mercy will walk you through your choices and help you avoid costly enrollment mistakes, including late-enrollment penalties that many Miami residents unknowingly trigger.

Compare both paths on our Florida Medicare plans page. Turning 65 soon? Map your dates with the Medicare enrollment timeline. Already went months without drug coverage — for example after moving to Miami from abroad or leaving an employer plan? The Medicare Part D penalty calculator estimates the late enrollment penalty.

Checking Miami Doctors and Hospitals

Jackson Health System, Baptist Health South Florida, and UHealth are the systems Miami households ask about most, and none is included in every plan. Because most Miami Marketplace plans are HMOs, a specialist outside the network is usually not covered at all. Record what you confirmed for each doctor, hospital, and prescription with the doctor and prescription checklist.

Life Insurance in Miami

With a median household size of 2.8 people and a cost of living well above the national average, protecting your family with life insurance is essential — especially if you are the primary earner. Mercy offers term and permanent life insurance options tailored to Miami families, including those with mortgage obligations, dependents, or business interests.

Bilingual Service for Miami's Diverse Community

Miami's population is approximately 70% Hispanic, and the need for bilingual insurance guidance has never been greater. Mercy conducts consultations in both English and Spanish, ensuring that no language barrier stands between you and the coverage your family deserves. From Little Havana to Aventura, Mercy serves all of Miami-Dade County. Lea esta guía en español: seguro médico en Miami.