Miami · Miami-Dade County, FL
Obamacare in Miami: ACA plans for Miami-Dade County
Compare ACA Marketplace coverage for Miami-Dade County, including Miami, Hialeah, Miami Beach, Homestead and Opa-locka. Carriers, networks and prices are set county by county, so start with your ZIP code.
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- County
- Miami-Dade
- Communities
- Miami, Hialeah, Miami Beach, Homestead, Opa-locka
- Coverage year
- 2026
What changes inside Miami-Dade County
Networks and prices are set by county
A plan sold in Broward and Monroe is not always sold in Miami-Dade, and the doctor and hospital network can change across the county line. Confirm the exact plan with your ZIP code before choosing.
Who can use the Marketplace
The Marketplace is for households without affordable coverage from work who are lawfully present. Financial help depends on the household income you expect for the coverage year, not last year's income.
What you need to start
Your ZIP code in Miami, how many people need coverage, their ages, and the income you expect for the coverage year. That is enough to calculate an estimate without sharing contact details.
Questions from people in Miami
Which carriers sell ACA plans in Miami-Dade County?
The list on this page reflects the current coverage year and comes from Marketplace information for this county. Availability can change, and not every plan from a carrier covers every address in the county.
How much does a plan cost in Miami?
Cost depends on the exact plan, your age, household size and expected income. The figure above is the county's benchmark Silver premium; your monthly payment can be lower with financial help.
I live in Hialeah but work in Fort Lauderdale. Which county counts?
The county where you live counts, not where you work. Moving from Miami-Dade to Broward can itself be a life event that opens a special enrollment period.
When can I enroll?
During the annual open enrollment window, or outside it with a qualifying life event: losing coverage, moving, marriage, a new baby or household changes. Confirm the current dates before deciding.
Do I have to give my details to see prices?
No. The calculator returns an estimate from your ZIP code, ages and household income without asking for a name or phone number. You share contact details only if you decide to request a call.
Availability, benefits and costs depend on the county, plan, coverage year and eligibility. Confirm the plan with your ZIP code before choosing.
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