Health insurance & Medicare · Miami, FL (Miami-Dade County)
Individual & Family Health Insurance in Miami, Florida
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). Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps Miami, FL households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in Miami
Miami's uninsured rate for working-age adults (24.2%) is above the U.S. average. If you have been without coverage, Open Enrollment (November 1 to January 15) is the time to enroll; outside it you need a qualifying life event.
15.8% of Miami workers are self-employed. Self-employed people buy their own coverage, and Marketplace tax credits are based on your expected net self-employment income, so a careful estimate matters.
Miami by the numbers
- 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).
- 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.
- 24.8% of Miami households include children under 18, well below the U.S. figure of 29.8%.
- The median household income in Miami is $59,390, below the U.S. average of $78,538.
Miami and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| Miami | 24.2% | 15.8% | $59,390 |
| Houston | 28.9% | 11.8% | $62,894 |
| San Antonio | 23.6% | 8.8% | $62,322 |
| Dallas | 29.4% | 11.5% | $67,760 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in Florida
- Florida residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Miami
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in Miami?
No. Olive works with Miami and Miami-Dade County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.