Health insurance plans in Miami-Dade County, FL (2026)
401 marketplace plans from 16 insurers are offered in Miami-Dade County. The cheapest silver plan is $572 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $445 | 125 |
| Silver | $572 | 152 |
| Gold | $545 | 97 |
| Platinum | $980 | 25 |
| Catastrophic | $338 | 2 |
All plans in Miami-Dade County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Health First Commercial Plans, Inc. | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) | Catastrophic | HMO | — | — | $338 |
| Health First Commercial Plans, Inc. | Bronze Value 1814 (High Value Network Savings, Open Access) | Bronze | HMO | — | — | $445 |
| Health First Commercial Plans, Inc. | Bronze Value 1814 + Adult Dental + Adult Vision (High Value Network Savings, Open Access) | Bronze | HMO | — | — | $469 |
| Capital Health Plan | Capital Health Plan HMO Bronze 1100 | Bronze | HMO | — | — | $499 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | HMO | — | — | $508 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Essential + No Referrals | Bronze | HMO | — | — | $511 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Bronze | HMO | — | — | $514 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Bronze | HMO | — | — | $514 |
| Florida Health Care Plans | Gym Access IND Bronze HMO 1340 | Bronze | HMO | — | — | $519 |
| Capital Health Plan | Capital Health Plan HMO Bronze 1000 | Bronze | HMO | — | — | $521 |
| 22 Health | Bronze 22 Health | Bronze | HMO | — | — | $531 |
| Health First Commercial Plans, Inc. | Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) | Bronze | HMO | — | — | $532 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | with AdventHealth | Bronze | HMO | — | — | $536 |
| Health First Commercial Plans, Inc. | Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Gold | HMO | $2,200 | — | $545 |
| Health First Commercial Plans, Inc. | Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Gold | HMO | $2,200 | — | $545 |
| Ambetter Health | Everyday Bronze | Bronze | HMO | — | — | $546 |
| Ambetter Health | Standard Expanded Bronze | Bronze | HMO | — | — | $548 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic 4700 | with AdventHealth | Bronze | HMO | — | — | $550 |
| AvMed | AvMed Entrust Expanded Bronze Standard (2026) | Bronze | HMO | — | — | $550 |
| Wellpoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | — | — | $554 |
| AvMed | AvMed Entrust Bronze 650 (2026) | Bronze | HMO | — | — | $558 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 26M01-23 (Rewards) | Bronze | HMO | — | — | $559 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $561 |
| Health First Commercial Plans, Inc. | Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) | Bronze | HMO | — | — | $562 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | Bronze | HMO | — | — | $562 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $563 |
| Health First Commercial Plans, Inc. | Bronze Standard 1828 | Bronze | HMO | — | — | $567 |
| AvMed | AvMed Entrust Bronze 600 (2026) | Bronze | HMO | — | — | $567 |
| Cigna Healthcare | Connect Bronze Orlando CMS Standard | Bronze | EPO | — | — | $567 |
| Florida Health Care Plans | Gym Access IND Bronze HMO OA Standard 2450 | Bronze | HMO | — | — | $567 |
| Cigna Healthcare | Connect Bronze Orlando 6000 Indiv Med Deductible | Bronze | EPO | — | — | $568 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 26M02-24 (Rewards) | Bronze | HMO | — | — | $569 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes | Bronze | HMO | — | — | $569 |
| Health First Commercial Plans, Inc. | Gold Value 1819 + Adult Dental + Adult Vision ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Gold | HMO | $2,200 | — | $570 |
| Cigna Healthcare | Connect Bronze Mid-South CMS Standard | Bronze | EPO | — | — | $570 |
| Health First Commercial Plans, Inc. | Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | Silver | HMO | $4,700 | — | $572 |
| Health First Commercial Plans, Inc. | Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | Silver | HMO | $4,700 | — | $574 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Chronic Care CKM | Bronze | HMO | — | — | $576 |
| Cigna Healthcare | Connect Bronze Orlando 3000 Indiv Med Deductible | Bronze | EPO | $3,000 | — | $577 |
| Cigna Healthcare | Connect Bronze Mid-South 5500 Indiv Med Deductible | Bronze | EPO | — | — | $579 |
Showing 40 of 401 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $447 |
| 40 | $572 |
| 60 | $1,214 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Florida · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Miami-Dade County County?
The cheapest plan for a 40-year-old non-smoker is $338 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $572.
How much does health insurance cost in Miami-Dade County County?
For a 40-year-old non-smoker the cheapest plans in Miami-Dade County start around $338 a month before subsidies. Silver plans cost from $572; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Miami-Dade County County?
16 insurers filed 401 plan options for this county in the 2026 CMS file.