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Miami-Dade County, Florida: health insurance

What Miami-Dade County residents should know about Medicare, marketplace plans and Medicaid.

Miami-Dade County at a glance

StateFlorida
Population (2023 est.)2,686,867
Population rank in Florida1 of 67
Land area1,900 square miles
Major citiesMiami

Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).

Why your county matters for coverage

In Florida, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in Miami-Dade County means the options on this page apply to you, and plans in a neighboring county may differ.

  • Medicare: Florida SHINE (Serving Health Insurance Needs of Elders) gives free, unbiased counseling at 1-800-963-5337. Ask which plans serve Miami-Dade County specifically.
  • Marketplace plans: shop through HealthCare.gov (federal Marketplace); enter your Miami-Dade County ZIP code to see what is offered.
  • Medicaid: apply through Agency for Health Care Administration (AHCA).

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.

Questions about Miami-Dade County

Are the same Medicare plans offered everywhere in Florida?

No. Plans are offered by service area. A plan available in one county may not be offered in Miami-Dade County, so check by county.

Where do Miami-Dade County residents get free Medicare counseling?

Florida SHINE (Serving Health Insurance Needs of Elders) (1-800-963-5337) is Florida's free SHIP program.

Do I have to enroll if I call?

No. Calling is a conversation about your options, and you are never required to enroll.

Miami-Dade County 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 large counties

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.