For individual and family health insurance, Miami residents buy 2027 coverage through the federal Marketplace at HealthCare.gov, which serves all of Miami-Dade County. Most households earning 100% to 400% of the poverty level qualify for a premium tax credit. Open Enrollment runs Nov 1, 2026 – Jan 15, 2027; enroll by Dec 15 for coverage on Jan 1.
Updated for the 2027 plan year (October 2026). Reviewed by Adam Segall, Licensed Insurance Agent (FL Lic #P101968).
- How health insurance in Miami works for 2027
- Key 2027 dates
- Miami hospital networks to check
- A Jackson card is not health insurance
- What you’ll pay: subsidies by income
- Immigrant families: 2027 changes
- Free in-person help in Miami-Dade
- Community health centers and low-income options
- Hurricanes and your Miami plan
- Frequently asked questions
How health insurance in Miami works for 2027
If you do not get coverage through a job, Medicare or Medicaid, you shop for your own health insurance. Miami residents do that on the ACA Marketplace. Florida has no state exchange, so Miami residents use HealthCare.gov directly or enroll through a licensed agent or assistant connected to it. The plan price is identical either way.
Miami is a city of freelancers, small-business owners, hospitality and tourism workers, and families who move between job-based and individual coverage. That makes the Marketplace the main door for a lot of residents. Florida as a whole had the most Marketplace plan selections of any state for 2026, according to the CMS Open Enrollment report.
Every Marketplace plan covers essential benefits such as doctor visits, hospital care, prescriptions, maternity and mental health. No insurer can deny you or raise your price for a pre-existing condition. For the statewide picture, see our Florida health insurance guide.
Key 2027 dates for Miami shoppers
| If you enroll… | Your coverage starts |
|---|---|
| Nov 1 – Dec 15, 2026 | January 1, 2027 |
| Dec 16, 2026 – Jan 15, 2027 | February 1, 2027 |
| After Jan 15, 2027 | Only with a qualifying life event (Special Enrollment Period) |
Treat December 15, 2026 as your real deadline if you want coverage from New Year’s Day. Moving to Miami, losing job coverage, marriage or a new baby can open a Special Enrollment Period outside these dates, generally for 60 days. More detail is in our Open Enrollment 2027 guide.
Miami hospital networks to check before you choose
When you compare health insurance, Miami networks matter as much as the premium. Marketplace plans here are often built around specific hospital systems, and two plans at a similar price can include very different doctors. Before you pick, confirm your doctors, specialists and preferred hospital are in-network for 2027.
The major systems Miami residents usually ask about include:
- Jackson Health System — Miami-Dade’s public academic health system. It is governed by the Public Health Trust, an independent board created by the Miami-Dade Board of County Commissioners, and Jackson Memorial is the primary teaching hospital for the University of Miami Miller School of Medicine.
- UHealth (University of Miami Health System) — the university’s own hospitals and specialty practices.
- Baptist Health South Florida — a large nonprofit system with hospitals and urgent care centers across the county.
We are not ranking carriers or hospitals here. Networks change every plan year, and 2027 county plan data is not final yet, so carriers and networks vary by county. Compare every option for your ZIP code on HealthCare.gov or with Honesty, and search each plan’s provider directory by name. Our checklist on how to choose a health plan covers HMO, EPO and PPO differences.
A Jackson clinic card is not health insurance
Many Miami-Dade residents use Jackson’s financial assistance programs. Jackson offers charity care to county residents on a sliding fee scale up to 300% of the federal poverty guidelines, after an interview and proof of residency. That help is valuable, but Jackson’s own financial assistance page states that a Jackson Prime or Jackson Clinic Card does not qualify as health insurance under the Affordable Care Act.
In practice, that means a clinic card will not cover you at hospitals outside Jackson, and it is not a substitute for real health insurance. Miami-Dade residents whose income is at or above 100% of the poverty level should check whether a subsidized plan gives you broader coverage for a similar monthly budget.
Honesty.AI checks networks, applies your subsidy and compares every plan in Miami-Dade.
What you’ll pay: health insurance Miami subsidies by income
Your monthly cost depends on your age, household size, ZIP code and 2027 income. The premium tax credit limits what you pay for the benchmark Silver plan to a share of your income, and you can use it on any metal tier. The 2027 shares, set by the IRS, are below. Learn the details on IRS.gov or in our 2027 subsidies guide.
| Income (% of poverty level) | Your share of income for benchmark Silver (2027) |
|---|---|
| 100% – 133% | 2.15% |
| 133% – 150% | 3.23% – 4.30% |
| 150% – 200% | 4.30% – 6.78% |
| 200% – 250% | 6.78% – 8.66% |
| 250% – 300% | 8.66% – 10.22% |
| 300% – 400% | 10.22% |
| Over 400% | No credit for 2027 |
For one person, 100% of the poverty level is $15,960 and 400% is $63,840. For a family of four, the range runs from $33,000 to $132,000.
Income from tips, commissions and gig work swings, so estimate your 2027 income honestly; the credit is reconciled on your tax return. Insurers also proposed a median increase of about 15% nationally for 2027 (KFF), after the enhanced credits expired at the end of 2025, so shop again even if you liked last year’s plan.
Tip: If your income is under 250% of the poverty level, look at Silver first. Only Silver plans carry cost-sharing reductions, which lower your deductible and copays. The 2027 out-of-pocket maximum on any plan is $12,000 for one person.
Immigrant and Spanish-speaking families: what changes in 2027
Many Miami households include people with different immigration statuses, and 2027 brings a major change. Starting January 1, 2027, a 2025 federal law limits Marketplace savings to three groups: green card holders (lawful permanent residents), entrants from Cuba or Haiti, and migrants from Compact of Free Association countries, according to HealthCare.gov’s guide for lawfully present immigrants.
Other lawfully present immigrants, such as people with Temporary Protected Status, refugees or asylees, may still buy a Marketplace plan for 2027 but cannot get the premium tax credit. If that describes someone in your home, compare full-price plans and alternatives carefully before December 15, and update your application if your status changes. Citizen children and other eligible relatives can still get savings or KidCare on their own.
You can apply in Spanish at CuidadoDeSalud.gov, the official Spanish-language version of HealthCare.gov. Only the people asking for coverage need to give immigration information.
Free in-person enrollment help in Miami-Dade
Miami-Dade is one of only eight Florida counties with in-person Navigator help for 2026–2027. According to the CMS Navigator awardee summary, the University of South Florida (Covering Florida) holds the statewide Navigator award and lists Miami-Dade among its in-person counties. Navigators are free and trained to stay neutral.
To book an appointment, search your ZIP code at localhelp.healthcare.gov. You will also see certified application counselors and licensed agents near you.
Community health centers and low-income options in Miami
Florida did not expand Medicaid, so many low-income adults in Miami do not qualify for Medicaid at all. Adults below 100% of the poverty level with no other eligibility fall into the coverage gap. Children usually qualify for Florida KidCare, and Medicaid applications go through ACCESS Florida.
Community health centers fill part of the gap with sliding-fee primary care. In Miami-Dade these include Borinquen Medical Centers, which receives HRSA Health Center Program funding, Camillus Health Concern, which serves uninsured and homeless residents, and the Jessie Trice Community Health System. Confirm current locations with HRSA’s Find a Health Center tool. The Florida Department of Health in Miami-Dade County runs immunizations and other public health services.
Hurricanes and your Miami health plan
Storm season is part of owning health insurance. Miami hurricane months overlap the weeks before Open Enrollment. Keep photos of every family member’s insurance card, your plan ID and your prescription list on your phone. If you evacuate, emergency care is covered even outside your network.
After past Florida hurricanes, CMS has offered a disaster Special Enrollment Period to HealthCare.gov residents of FEMA-declared counties who missed an enrollment window because of the storm, with up to 60 days after the incident period (CMS Florida disaster resources). If a storm disrupts your enrollment, call the Marketplace or ask Honesty.
How Honesty helps Miami residents
Honesty.AI is a licensed, unbiased, agnostic AI insurance agent that is on your side. It compares every plan available in your Miami ZIP code, applies your subsidy, and checks doctors and prescriptions against each network. It also shows ACA, alternative and ancillary plans side by side, so you see the trade-offs.
There is no office to visit for your health insurance. Miami shoppers reach Honesty 24/7 by chat, voice or text, and Honesty® Insurance Services, LLC is licensed statewide in Florida (FL #L125256). See how Honesty.AI works.
Find your 2027 Miami plan the honest way
Compare every Marketplace plan in Miami-Dade, apply your subsidy and enroll in minutes. Honesty Is Your Best Policy®.
Frequently asked questions
Where do I buy health insurance in Miami?
Individual and family plans in Miami are sold through the federal Marketplace at HealthCare.gov, or through a licensed agent or assistant connected to it. Florida has no state exchange. The price of the same plan is identical whichever way you enroll.
When is the deadline for 2027 coverage in Miami?
Open Enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage starting January 1, 2027. Enrollments from December 16 through January 15 start February 1.
Is a Jackson clinic card the same as health insurance?
No. Jackson Health System states that a Jackson Prime or Jackson Clinic Card does not qualify as health insurance under the Affordable Care Act. It can help with care at Jackson, but it does not replace a Marketplace plan.
Can I get free help enrolling in person in Miami-Dade?
Yes. Miami-Dade is one of eight Florida counties with in-person Navigator help for 2026–2027 through the University of South Florida’s Covering Florida program. Search your ZIP code at localhelp.healthcare.gov to find an appointment.
Can immigrant families in Miami get Marketplace coverage?
Lawfully present immigrants can generally still buy Marketplace plans, but starting January 1, 2027, premium tax credits are limited to green card holders, Cuban and Haitian entrants, and Compact of Free Association migrants. Others, such as TPS holders, can enroll without the credit.
Keep learning: compare nearby guides for Fort Lauderdale, Coral Springs and Boca Raton, see all cities in our affordable health insurance in Florida hub, read about affordable health insurance nationally, or learn how the health insurance Marketplace works.
