- 7carriers selling 2027 marketplace plans in Miami-Dade County
- 162plans on the Miami-Dade shelf, from 56 bronze to 38 gold
- $742benchmark silver for a 40 year old in Miami-Dade, full price per month
Who sells marketplace plans in Miami-Dade County
Seven companies sell in Miami-Dade, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 71 of the 162 plans in Miami-Dade, 44 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 71 | 25 | 24 | 13 | 8 | EPO 19, HMO 27, POS 11, PPO 14 |
| OscarOscar Health Maintenance Organization of Florida | 20 | 8 | 8 | 4 | 0 | HMO 20 |
| UnitedHealthcare | 19 | 7 | 7 | 5 | 0 | HMO 19 |
| Ambetter Health | 18 | 5 | 7 | 6 | 0 | HMO 18 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AvMed | 11 | 3 | 5 | 3 | 0 | HMO 11 |
| AmeriHealth Caritas Next | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Miami-Dade plan counts from the CMS 2027 landscape file (county FIPS 12086, Rating Area 43). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Miami-Dade County for 2027
Molina Healthcare and Cigna together sold 34 of the 189 plans in Miami-Dade County in 2026 and have no plans here in the 2027 CMS file. If you were enrolled with either company, you should have a notice by now. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions. Miami-Dade now has seven carriers and 162 plans, against nine carriers and 189 plans in 2026.
What it costs in Miami-Dade County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Miami-Dade plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Miami-Dade pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $434 | $555 | $1,179 | $1,110 | $1,775 |
| Lowest silver | $577 | $737 | $1,566 | $1,475 | $2,357 |
| Benchmark silver (second lowest) | $581 | $742 | $1,576 | $1,485 | $2,373 |
| Lowest gold | $543 | $694 | $1,474 | $1,388 | $2,219 |
| Lowest platinum | $1,965 | $2,511 | $5,333 | $5,023 | $8,029 |
Benchmark silver is the second lowest of the 58 silver premiums listed for Miami-Dade. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Miami-Dade County
The gold row is the surprise in Miami-Dade County. The cheapest gold plan for a 40 year old, $694 a month, is $43 cheaper than the cheapest silver plan at $737. That happens because Florida carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Miami-Dade shelf, and a gold deductible here tops out at $2,500.
In Miami-Dade County the benchmark is $187 above the cheapest bronze at age 40, and 39 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $742 benchmark minus what the government expects you to pay from your income. A 40 year old in Miami-Dade whose expected share is $187 a month or less would pay nothing for the cheapest bronze. At 60 the Miami-Dade gap grows to $398 and at 21 it shrinks to $147, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Broward County, the Miami-Dade benchmark is $19 lower at 40 and the cheapest bronze is $3 higher. 22 Health sells in Broward County and not in Miami-Dade.
Miami-Dade plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 4 | 0 | $8,500 to $12,000 |
| Expanded Bronze | 52 | 12 | $0 to $10,150 |
| Silver | 58 | 2 | $0 to $11,925 |
| Gold | 38 | 8 | $0 to $2,500 |
| Platinum | 8 | 6 | |
| Total | 162 | 28 |
By network type the 162 Miami-Dade plans break down as 118 HMO, 19 EPO, 14 PPO and 11 POS. Only 14 are PPOs, and every one of them comes from Florida Blue. If seeing specialists without a referral matters to you, that narrows the Miami-Dade shelf to one company. 28 plans in Miami-Dade have a $0 medical deductible (12 expanded bronze, 8 gold, 6 platinum and 2 silver). The 12 bronze ones among them still have out of pocket maximums of $12,000, so a $0 deductible does not mean a small bill.
Every Miami-Dade price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Miami-Dade the premium tax credit is measured against the $742 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Miami-Dade numbers for you.
2027 plans for Miami-Dade County
These are the 2027 plans and prices for Miami-Dade County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Florida runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Miami-Dade plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Miami-Dade County coverage
How many health insurance companies sell marketplace plans in Miami-Dade County, Florida?
For 2027, seven carriers sell individual marketplace plans in Miami-Dade County: Florida Blue, Oscar, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 162 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Miami-Dade County?
At full price before any subsidy, the cheapest bronze plan in Miami-Dade County is $434 a month for a 21 year old, $555 at 40 and $1,179 at 60. In Miami-Dade a couple both aged 40 pays $1,110 for the cheapest bronze, and two 40 year olds with two children pay $1,775. Catastrophic plans in Miami-Dade, open only to people under 30 or with a hardship exemption, start at $347 at age 21. Most people in Miami-Dade who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Miami-Dade County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $742 a month for a 40 year old in Miami-Dade County before subsidies. In Miami-Dade it is $581 at age 21 and $1,576 at age 60, and the lowest silver plan is $737 at 40.
Which insurance companies left Miami-Dade County for 2027?
Molina Healthcare and Cigna sold 34 plans in Miami-Dade County in 2026 and have no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Florida Blue, Oscar, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next. No new carrier entered for 2027.
Can I get a PPO or a $0 deductible plan in Miami-Dade County?
Yes to both. 14 of the 162 plans in Miami-Dade are PPOs, all from Florida Blue, and 28 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Miami-Dade is $694 a month before subsidies.
More for Miami-Dade County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Miami-Dade compares with the other 78 counties and parishes I track
- Estimate a Miami-Dade subsidy
Get your Miami-Dade County quote
Send me your ZIP and who needs coverage and I will compare every Miami-Dade plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), Miami-Dade County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines