Health insurance & Medicare · Miami, FL (Miami-Dade County)
Supplemental 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). Accident, critical illness, hospital indemnity, cancer, dental and vision coverage that can pay benefits alongside your main health plan. Olive, a licensed agent with Manna Financial Services, helps Miami, FL households compare supplemental health insurance by phone or video, and the first conversation is free.
What matters for supplemental health insurance in Miami
24.8% of Miami households include children. Accident plans are a common choice for active families, while hospital and critical illness plans are more common for people with Medicare (17.2% of Miami residents are 65 or older).
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%.
- 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.
Miami and nearby communities
| Place | Households with children | 65 or older | Uninsured adults 19–64 |
|---|---|---|---|
| Miami | 24.8% | 17.2% | 24.2% |
| Houston | 31.2% | 12.1% | 28.9% |
| San Antonio | 32.8% | 13.4% | 23.6% |
| Dallas | 28.6% | 11.8% | 29.4% |
| U.S. | 29.8% | 17.7% | 11.1% |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with supplemental health insurance
- Accident and critical illness plans that pay cash benefits
- Hospital indemnity coverage for inpatient stays
- Dental and vision plans for individuals and families
- Pairs with ACA, employer or Medicare coverage
Rules that apply in Florida
- Supplemental plans pay fixed benefits and are not major medical coverage. They do not count as ACA minimum essential coverage.
- Many accident, critical illness and hospital plans pay benefits to you directly, to use as you choose.
- Waiting periods and pre-existing condition limits vary by policy, so we compare them before you apply.
Questions from Miami
Is supplemental insurance the same as health insurance?
No. Supplemental plans pay limited, fixed benefits for specific events and do not replace major medical coverage. They work best alongside a health plan.
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 supplemental health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.