How big is the Miami-Dade marketplace?
| Measure | Miami-Dade County |
|---|---|
| People who picked a plan | 1,031,630 |
| Share of all Florida plan selections | 22.7% |
| Received a premium tax credit | 97.1% |
| Average monthly premium before credits | $815 |
| Average monthly premium after credits | $72 |
| Paid $10 a month or less after credits | 333,103 |
| Picked silver, bronze or gold | 51.9%, 29.1%, 18.9% |
Florida had 4,538,772 plan selections in the CMS county file, and Miami-Dade accounts for about 23% of them. Census estimates put the county at 2,802,029 residents, with 15.3% of people under 65 uninsured. Miami city has 489,812 residents and an uninsured rate of 18.9% among people under 65.
Who is in that group?
CMS counts 73.1% of Miami-Dade plan selections in households with income between 100% and 150% of the federal poverty level. Florida has not expanded Medicaid, so many working adults with lower incomes are too far above Medicaid limits and use the marketplace instead. Premium tax credits start at 100% of the poverty level.
For many of these households the credit covers nearly the whole premium. That is why the average premium after credits was $72 in 2026. Because the enhanced credits expired after 2025, many people pay more than in earlier years, and 2027 prices will differ again.
What do I need to do before 2027?
- Update your income and household on your application. Credits are based on what you expect to earn this year, and a mismatch can mean owing money back at tax time.
- Compare plans. Cigna has left the marketplace for 2027, Aetna left at the end of 2025 and Sunshine State Health Plan members move to Ambetter unless they choose otherwise.
- Choose a plan by December 15, 2026 for a January 1 start. Open enrollment runs November 1, 2026 to January 15, 2027.
- Check whether your doctors and hospitals are in the network of the 2027 plan, not your 2026 plan.
- If you are unsure about eligibility because of immigration status, read the rules before you apply. Marketplace savings for some lawfully present immigrants change in 2027.
Can I apply in Spanish?
Yes. HealthCare.gov has a Spanish version at CuidadoDeSalud.gov, and Census estimates show 77.2% of Miami residents and 75.3% of Miami-Dade residents speak a language other than English at home. Whatever language you use, a licensed agent can still walk you through the plans and the savings.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
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