Health insurance in Miami-Dade County, Florida
12 insurers sell 189 marketplace plans here, and 15.3% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
12 insurers competing here
12 insurers sell in Miami-Dade County — 189 plans in total, around 16 each. Few people compare 189 plans properly without help. The number has not changed since the previous plan year.
One in six has no coverage
15.3% of Miami-Dade County's 2,290,660 under-65 residents have no health coverage — 350,469 people. That is above the Florida rate of 13.7%, and puts Miami-Dade County in the top quarter of the 1,817 counties on this site (326th).
Some of those 350,469 are in the Florida coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
The marketplace is used heavily here
1,031,630 Miami-Dade County residents selected a marketplace plan for 2026: 450 per thousand under-65 residents, 14th of 1,817. That is 5.8× the 78 per thousand typical here. 139,849 of them — 14% — were new rather than renewing.
Miami-Dade County against Florida
Miami-Dade County is the largest of the 32 Florida counties we publish, by under-65 population. Its uninsured rate runs 1.6 points higher than Florida overall and its 12 insurers sit between the state's 1 and 13. Marketplace use is about 1.8 times the Florida rate.
| Miami-Dade County | Florida | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 15.3% | 13.7% | 9.9% |
| Insurers selling | 12 | 1–13 | 4 |
| Plans offered | 189 | — | 57 |
| Selections per 1,000 | 450 | 254 | 78 |
| New rather than renewing | 14% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Broward County | 1,629,773 | 13.8% | 13 | 197 |
| Hillsborough County | 1,308,341 | 13.1% | 9 | 173 |
| Orange County | 1,281,296 | 13.5% | 12 | 208 |
| Palm Beach County | 1,157,259 | 16.5% | 12 | 195 |
| Maricopa County (Arizona) | 3,830,352 | 12.6% | 7 | 86 |
Broward County has 13 insurers against this county's 12 — a reminder that the county line, not the state line, is what decides your options.
Other Florida counties · Where the subsidy stops · Enrollment dates