Miami-Dade County · Florida
Life and health insurance in Miami, Florida
Manna Financial Services helps Miami, FL households and small businesses with life insurance, annuities, health insurance, Medicare and supplemental coverage. As a licensed, independent insurance company, we compare several insurance companies instead of selling one brand. Olive works by phone or video, and the first call is free.
What stands out in Miami
- 24.2% of Miami adults aged 19 to 64 have no health insurance, well above the U.S. rate of 11.1% (the 3rd-highest uninsured rate for adults 19 to 64 of the 22 South U.S. communities on this site).
- 31.2% of Miami homes are owner-occupied (U.S.: 65.0%), and the median home value is $478,600, well above the U.S. median of $303,400.
- 15.8% of Miami workers are self-employed, well above the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- 2.1% of adults in Miami are veterans, below the U.S. share of 6.1%.
Miami and nearby communities
| Place | 65 or older | Uninsured adults 19–64 | Households with children | Median household income |
|---|---|---|---|---|
| Miami | 17.2% | 24.2% | 24.8% | $59,390 |
| Houston | 12.1% | 28.9% | 31.2% | $62,894 |
| San Antonio | 13.4% | 23.6% | 32.8% | $62,322 |
| Dallas | 11.8% | 29.4% | 28.6% | $67,760 |
| U.S. | 17.7% | 11.1% | 29.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates; CMS Medicare Monthly Enrollment, July 2026; CMS 2026 Marketplace Open Enrollment Period county-level public use file; U.S. Census Bureau County Business Patterns 2023.
Coverage for Miami households
Life & disability insurance
Health insurance & Medicare
Annuities & retirement income
Business insurance
Miami at a glance
| Miami | U.S. | |
|---|---|---|
| Population | 449,514 | 334,914,895 |
| Residents 65 or older | 17.2% | 17.7% |
| Median age | 40.6 | 39.1 |
| Median household income | $59,390 | $78,538 |
| Homes owner-occupied | 31.2% | 65.0% |
| Median home value | $478,600 | $303,400 |
| Adults 19–64 without health insurance | 24.2% | 11.1% |
Source: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
- County
- Miami-Dade County
- ZIP codes we serve
- 33129, 33130, 33131, 33133, 33137
- Local landmarks
- Brickell Financial District, Vizcaya Museum and Gardens, Jackson Memorial Hospital, Bayfront Park
- How we meet
- Phone or video from the comfort of home. A local page does not mean we have a street office in Miami.
Questions from Miami
Can you help with Medicare and Marketplace plans in Miami?
Yes. We help Miami and Miami-Dade County residents compare Medicare Advantage, Medicare Supplement and Part D plans, and individual and family Marketplace health plans. Medicare plan changes are made October 15 to December 7, and Marketplace Open Enrollment typically runs November 1 to January 15.
How do I get a life insurance quote in Miami?
You can compare life insurance prices online on our quote page in a few minutes, or book a free call and Olive will run the numbers with you.
Does it cost anything to work with you?
No. Insurance companies pay agents a commission, so our help is free. Your premium is the same as buying the same policy directly.
Talk with Olive.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.