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Miami, Florida: health insurance

Miami is in Miami-Dade County. Here is what Miami residents should know about coverage.

Coverage in Miami

Plans for Miami residents are determined by Miami-Dade County, home to about 2,686,867 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Miami-Dade County before you choose it.

  • Turning 65 in Miami? Your Initial Enrollment Period runs seven months around your birthday. Florida SHINE (Serving Health Insurance Needs of Elders) offers free counseling at 1-800-963-5337.
  • Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
  • Medicaid questions? Agency for Health Care Administration (AHCA) handles applications.

Florida note: Florida's insurance oversight is split between two state agencies: the Office of Insurance Regulation reviews rates and company solvency, while the Department of Financial Services' Division of Consumer Services handles individual consumer complaints and questions.

Colleges and universities near Miami

Florida public institutions include University of Florida, Florida State University, University of South Florida. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Florida colleges.

Do Miami and Miami-Dade County have the same plans?

Plans are offered by service area, and Miami falls under Miami-Dade County. A plan that serves Miami-Dade County is generally the one that applies to you.

Do I have to enroll if I call?

No. A call is a conversation about your options.

Miami residents: call 855-367-1095

Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.

Call 855-367-1095

Other major Florida cities

Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.

Do it yourself

Prefer to look and enroll yourself?

Compare plans and enroll on your own time. Or call 855-367-1095 any time you want a licensed agent’s help.

Medicare

Medicare Open Enrollment starts October 15th

Take a look at Florida plans, or go ahead and enroll yourself. Call if you need any help with your application.

Look at plansCall 855-367-1095
Under 65 · ACA

ACA Open Enrollment opens November 1st

Take a look at Florida plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.

Look at plansCall 855-367-1095
Short-term · TriTerm

Need coverage in between?

Short-term and TriTerm plans can start quickly and help with big unexpected medical bills. They are not ACA plans: they can ask health questions, may not cover pre-existing conditions, and what is offered varies by state.

TriTerm

Questions along the way? Call 855-367-1095 for assistance.