2026 plan year · Florida
2026 health insurance plans in Miami-Dade County, FL
189 Marketplace plans from 11 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $684benchmark silver (age 40)
- $502cheapest bronze (age 40)
- 11insurers
- +33%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health, Oscar Insurance Company of Florida. See what to do if your insurer leaves.
- New here: Cigna HealthCare of Florida, Inc., Oscar Health Maintenance Organization of Florida.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $413 | $527 | $1,120 | $10,125 | $10,150 | No Charge |
| AmeriHealth Caritas Next Bronze Essential + No Referrals AmeriHealth Caritas Next · HMO | $418 | $534 | $1,135 | $10,600 | $10,600 | $25 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $444 | $567 | $1,204 | $10,600 | $10,600 | No Charge after Deductible |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $444 | $567 | $1,204 | $10,600 | $10,600 | No Charge after Deductible |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $658 | $840 | $1,784 | $6,150 | $10,150 | No Charge |
| BlueCare Bronze 24K02-18 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $690 | $882 | $1,872 | $6,150 | $10,150 | No Charge |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $874 | $1,117 | $2,372 | $6,150 | $10,150 | No Charge |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida · HMO | $393 | $502 | $1,065 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Bronze Classic Standard Oscar Health Maintenance Organization of Florida · HMO | $414 | $529 | $1,124 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Health Maintenance Organization of Florida · HMO | $417 | $533 | $1,133 | $4,700 | $10,150 | $70 |
| Bronze Simple Diabetes Oscar Health Maintenance Organization of Florida · HMO | $419 | $536 | $1,138 | $5,500 | $10,150 | $50 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals AmeriHealth Caritas Next · HMO | $420 | $537 | $1,141 | $3,850 | $10,600 | $40 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals AmeriHealth Caritas Next · HMO | $420 | $537 | $1,141 | $7,500 | $10,000 | $50 |
| Bronze Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida · HMO | $424 | $542 | $1,151 | $5,500 | $10,150 | $50 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $441 | $563 | $1,196 | $6,000 | $10,600 | $50 |
| Molina Bronze Standard Molina Healthcare · HMO | $444 | $567 | $1,205 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $447 | $572 | $1,214 | $5,500 | $10,600 | $30 |
| Bronze Elite + PCP Saver Plus Oscar Health Maintenance Organization of Florida · HMO | $450 | $575 | $1,222 | $0 | $10,600 | $50 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint · HMO | $451 | $577 | $1,225 | $7,500 | $10,000 | $50 |
| Standard Expanded Bronze VALUE Ambetter Health · HMO | $454 | $580 | $1,232 | $7,500 | $10,000 | $50 |
| Molina Bronze Enhanced 3500 Molina Healthcare · HMO | $455 | $581 | $1,235 | $3,500 | $9,950 | $50 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $456 | $582 | $1,237 | $5,500 | $10,600 | $30 |
| Molina Bronze Enhanced 3500 Pluswith Adult Vision Molina Healthcare · HMO | $458 | $585 | $1,243 | $3,500 | $9,950 | $50 |
| UHC Bronze Standard UnitedHealthcare · HMO | $465 | $594 | $1,261 | $7,500 | $10,000 | $50 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare · HMO | $469 | $600 | $1,274 | $3,500 | $9,950 | $50 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $470 | $601 | $1,276 | $2,625 | $10,150 | No Charge |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $471 | $602 | $1,278 | $7,500 | $10,000 | $50 |
| myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $476 | $608 | $1,292 | $6,000 | $10,150 | No Charge |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $481 | $615 | $1,306 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $481 | $615 | $1,307 | $0 | $10,600 | $50 |
| Everyday Bronze Ambetter Health · HMO | $490 | $626 | $1,330 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter Health · HMO | $492 | $628 | $1,334 | $7,500 | $10,000 | $50 |
| Molina Bronze Premier with $0 Medical Deductible Molina Healthcare · HMO | $498 | $636 | $1,350 | $0 | $10,350 | $50 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $498 | $636 | $1,351 | $0 | $10,600 | $50 |
| Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision Molina Healthcare · HMO | $501 | $640 | $1,359 | $0 | $10,350 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · HMO | $503 | $643 | $1,366 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · HMO | $505 | $645 | $1,370 | $7,500 | $10,000 | $50 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $508 | $650 | $1,380 | $0 | $10,150 | No Charge |
| myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $512 | $654 | $1,388 | $0 | $10,150 | No Charge |
| Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision Molina Healthcare · HMO | $512 | $654 | $1,389 | $0 | $10,350 | $50 |
| Connect Bronze South FL CMS Standard Cigna Healthcare · EPO | $516 | $660 | $1,401 | $7,500 | $10,000 | $50 |
| Elite VALUE Bronze Ambetter Health · HMO | $517 | $661 | $1,403 | $0 | $10,500 | $60 |
| Connect Bronze South FL 7000 Indiv Med Deductible Cigna Healthcare · EPO | $518 | $662 | $1,405 | $7,000 | $9,800 | $30 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $518 | $662 | $1,406 | $0 | $10,150 | No Charge |
| Connect Bronze South FL 3800 Indiv Med Deductible Cigna Healthcare · EPO | $523 | $668 | $1,419 | $3,800 | $9,750 | $35 |
| AvMed Entrust Expanded Bronze Standard (2026) AvMed · HMO | $530 | $677 | $1,438 | $7,500 | $10,000 | $50 |
| AvMed Entrust Bronze 650 (2026) AvMed · HMO | $537 | $687 | $1,459 | $10,150 | $10,150 | $75 |
| AvMed Entrust Bronze 600 (2026) AvMed · HMO | $546 | $697 | $1,481 | $6,500 | $9,500 | $70 |
| Elite Bronze Ambetter Health · HMO | $560 | $715 | $1,519 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · HMO | $575 | $735 | $1,560 | $0 | $10,500 | $60 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $682 | $872 | $1,852 | $7,500 | $10,000 | $50 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) · EPO | $688 | $879 | $1,868 | $6,650 | $7,400 | 5% Coinsurance after deductible |
| BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $693 | $886 | $1,881 | $6,500 | $10,000 | No Charge |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $723 | $924 | $1,961 | $0 | $9,900 | No Charge |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $727 | $929 | $1,972 | $0 | $9,900 | No Charge |
| BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $729 | $931 | $1,977 | $7,500 | $10,000 | $50 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $734 | $938 | $1,993 | $0 | $9,900 | No Charge |
| BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $745 | $952 | $2,022 | $6,500 | $10,000 | No Charge |
| BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $788 | $1,007 | $2,137 | $0 | $9,900 | No Charge |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $907 | $1,159 | $2,461 | $7,500 | $10,000 | $50 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) · PPO | $915 | $1,169 | $2,482 | $6,650 | $7,400 | 5% Coinsurance after deductible |
| BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $921 | $1,177 | $2,500 | $6,500 | $10,000 | No Charge |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $962 | $1,230 | $2,612 | $0 | $9,900 | No Charge |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $534 | $682 | $1,448 | $9,500 | $10,025 | No Charge |
| Silver Simple PCP Saver Oscar Health Maintenance Organization of Florida · HMO | $536 | $684 | $1,453 | $5,000 | $9,250 | $20 |
| myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $537 | $686 | $1,457 | $9,500 | $10,025 | No Charge |
| Silver Classic Standard Oscar Health Maintenance Organization of Florida · HMO | $540 | $690 | $1,466 | $6,000 | $8,900 | $40 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida · HMO | $540 | $691 | $1,467 | $6,200 | $9,600 | No Charge |
| Silver Simple Diabetes Oscar Health Maintenance Organization of Florida · HMO | $541 | $691 | $1,467 | $6,500 | $10,000 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Maintenance Organization of Florida · HMO | $541 | $692 | $1,469 | $6,000 | $10,150 | No Charge |
| Silver Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida · HMO | $542 | $692 | $1,470 | $5,900 | $10,150 | No Charge |
| AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next · HMO | $542 | $693 | $1,472 | $6,100 | $9,000 | $25 |
| myBlue Silver 26M03-02E ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $543 | $694 | $1,475 | $9,500 | $10,025 | No Charge |
| myBlue Silver 25M03-01 ($0 Primary Care Visits with Select Providers / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $544 | $695 | $1,475 | $8,250 | $8,650 | No Charge |
| myBlue Silver 25M03-01V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $547 | $699 | $1,484 | $8,250 | $8,650 | No Charge |
| Silver Elite Oscar Health Maintenance Organization of Florida · HMO | $548 | $700 | $1,486 | $5,000 | $9,750 | $25 |
| myBlue Connected Care Silver 24M03-70 ($0 Primary Care Visits with Select Providers / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $550 | $702 | $1,491 | $6,375 | $8,825 | No Charge |
| myBlue Silver 24M03-70V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $553 | $706 | $1,500 | $6,375 | $8,825 | No Charge |
| myBlue Silver 25M03-01E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $553 | $707 | $1,501 | $8,250 | $8,650 | No Charge |
| myBlue Silver 24M03-70E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $559 | $715 | $1,518 | $6,375 | $8,825 | No Charge |
| Molina Silver Access Molina Healthcare · HMO | $563 | $720 | $1,529 | $5,750 | $9,050 | $30 |
| AmeriHealth Caritas Next Silver Signature + No Referrals AmeriHealth Caritas Next · HMO | $564 | $721 | $1,530 | $6,000 | $8,900 | $40 |
| Molina Silver Core Molina Healthcare · HMO | $566 | $724 | $1,537 | $6,000 | $8,990 | $35 |
| Molina Silver Access Pluswith Adult Vision Molina Healthcare · HMO | $567 | $724 | $1,538 | $5,750 | $9,050 | $30 |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $568 | $726 | $1,541 | $3,150 | $8,675 | No Charge |
| Molina Silver Core Pluswith Adult Vision Molina Healthcare · HMO | $569 | $728 | $1,546 | $6,000 | $8,990 | $35 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $571 | $730 | $1,549 | $3,150 | $8,675 | No Charge |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $571 | $730 | $1,550 | $3,500 | $10,150 | $25 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $573 | $733 | $1,556 | $1,850 | $9,100 | $10 |
| Clarity VALUE Silver Ambetter Health · HMO | $575 | $734 | $1,560 | $8,000 | $8,400 | $50 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $577 | $738 | $1,567 | $3,150 | $8,675 | No Charge |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $578 | $738 | $1,568 | $6,000 | $8,900 | $40 |
| Molina Silver Access Plus with Adult Dental and Vision Molina Healthcare · HMO | $578 | $738 | $1,568 | $5,750 | $9,050 | $30 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $579 | $740 | $1,572 | $3,500 | $10,150 | $25 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare · HMO | $581 | $742 | $1,576 | $6,000 | $8,990 | $35 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint · HMO | $583 | $746 | $1,583 | $6,000 | $8,900 | $40 |
| Molina Silver Standard Molina Healthcare · HMO | $586 | $748 | $1,589 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $587 | $750 | $1,593 | $4,500 | $9,900 | $35 |
| Thrive Silver Ambetter Health · HMO | $589 | $752 | $1,598 | $8,000 | $8,400 | $50 |
| AmeriHealth Caritas Next Silver Premier + No Referrals AmeriHealth Caritas Next · HMO | $593 | $758 | $1,609 | $400 | $10,200 | $50 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $603 | $771 | $1,637 | $4,500 | $9,900 | $35 |
| Standard Silver VALUE Ambetter Health · HMO | $613 | $783 | $1,664 | $6,000 | $8,900 | $40 |
| UHC Silver Standard- UnitedHealthcare · HMO | $617 | $788 | $1,673 | $6,000 | $8,900 | $40 |
| UHC Silver Standard UnitedHealthcare · HMO | $617 | $788 | $1,674 | $6,000 | $8,900 | $40 |
| Focused VALUE Silver Ambetter Health · HMO | $620 | $793 | $1,684 | $6,300 | $8,400 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $625 | $799 | $1,696 | $2,700 | $10,350 | $30 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare · HMO | $633 | $809 | $1,718 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $641 | $819 | $1,740 | $2,700 | $10,350 | $30 |
| Standard Silver Ambetter Health · HMO | $664 | $848 | $1,801 | $6,000 | $8,900 | $40 |
| AvMed Entrust Silver Standard (2026) AvMed · HMO | $664 | $848 | $1,801 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter Health · HMO | $672 | $858 | $1,823 | $6,300 | $8,400 | $40 |
| AvMed Entrust Silver 550 (2026) AvMed · HMO | $675 | $862 | $1,831 | $6,250 | $8,000 | $55 |
| AvMed Entrust Silver 550 Dental+Vision (2026) AvMed · HMO | $678 | $866 | $1,839 | $6,250 | $8,000 | $55 |
| Standard Silver + Vision + Adult Dental Ambetter Health · HMO | $682 | $871 | $1,850 | $6,000 | $8,900 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health · HMO | $683 | $873 | $1,853 | $5,000 | $8,650 | $30 |
| Focused Silver + Vision + Adult Dental Ambetter Health · HMO | $690 | $882 | $1,872 | $6,300 | $8,400 | $40 |
| AvMed Entrust Silver 350 (2026) AvMed · HMO | $694 | $887 | $1,884 | $3,500 | $9,250 | $30 |
| AvMed Entrust Silver 350 Dental+Vision (2026) AvMed · HMO | $697 | $891 | $1,892 | $3,500 | $9,250 | $30 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health · HMO | $701 | $896 | $1,903 | $5,000 | $8,650 | $30 |
| Partnered Care Classic Silver Cigna HealthCare of Florida, Inc. · HMO | $759 | $970 | $2,059 | $5,000 | $7,950 | $35 |
| Partnered Care Premier Silver Cigna HealthCare of Florida, Inc. · HMO | $760 | $971 | $2,062 | $7,000 | $8,500 | $25 |
| Connect Silver South FL 2850 Indiv Med Deductible Cigna Healthcare · EPO | $774 | $989 | $2,101 | $2,850 | $9,450 | $20 |
| Connect Silver South FL CMS Standard Cigna Healthcare · EPO | $779 | $996 | $2,115 | $6,000 | $8,900 | $40 |
| Partnered Care Silver CMS Standard Cigna HealthCare of Florida, Inc. · HMO | $787 | $1,006 | $2,136 | $6,000 | $8,900 | $40 |
| Connect Silver South FL 4500 Indiv Med Deductible Cigna Healthcare · EPO | $789 | $1,008 | $2,141 | $4,500 | $8,850 | $20 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $881 | $1,126 | $2,392 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $885 | $1,131 | $2,402 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $893 | $1,141 | $2,423 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $896 | $1,145 | $2,431 | $6,000 | $8,900 | $40 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $906 | $1,158 | $2,459 | $3,125 | $8,100 | No Charge |
| BlueCare Silver 24K02-21 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $932 | $1,191 | $2,529 | $4,000 | $8,100 | No Charge |
| BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $963 | $1,231 | $2,615 | $6,000 | $8,900 | $40 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,413 | $1,805 | $3,834 | $4,000 | $8,100 | No Charge |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,509 | $1,928 | $4,095 | $6,000 | $8,900 | $40 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,526 | $1,951 | $4,143 | $3,125 | $8,100 | No Charge |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Gold Simple Oscar Health Maintenance Organization of Florida · HMO | $488 | $624 | $1,325 | $3,000 | $9,950 | $5 |
| Gold Classic Standard Oscar Health Maintenance Organization of Florida · HMO | $513 | $656 | $1,392 | $2,000 | $8,200 | $30 |
| Molina Gold Enhanced 895 Molina Healthcare · HMO | $595 | $760 | $1,614 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Molina Healthcare · HMO | $595 | $760 | $1,615 | $1,640 | $8,100 | $25 |
| Molina Gold Enhanced 895 Pluswith Adult Vision Molina Healthcare · HMO | $598 | $764 | $1,622 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Pluswith Adult Vision Molina Healthcare · HMO | $598 | $764 | $1,623 | $1,640 | $8,100 | $25 |
| Standard Gold VALUE Ambetter Health · HMO | $600 | $767 | $1,628 | $2,000 | $8,200 | $30 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare · HMO | $609 | $778 | $1,652 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare · HMO | $609 | $779 | $1,654 | $1,640 | $8,100 | $25 |
| AmeriHealth Caritas Next Gold Signature + No Referrals AmeriHealth Caritas Next · HMO | $612 | $782 | $1,660 | $2,000 | $8,200 | $30 |
| Molina Gold Standard Molina Healthcare · HMO | $622 | $795 | $1,689 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $625 | $798 | $1,695 | $800 | $9,000 | $10 |
| AmeriHealth Caritas Next Gold Premier + No Referrals AmeriHealth Caritas Next · HMO | $630 | $805 | $1,709 | $850 | $8,500 | $15 |
| Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $631 | $806 | $1,712 | $800 | $9,000 | $10 |
| Complete VALUE Gold Ambetter Health · HMO | $633 | $809 | $1,719 | $1,450 | $7,500 | $15 |
| Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint · HMO | $638 | $815 | $1,730 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $638 | $816 | $1,733 | $1,400 | $5,000 | $20 |
| Standard Gold Ambetter Health · HMO | $650 | $830 | $1,763 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · HMO | $664 | $848 | $1,801 | $800 | $7,250 | $35 |
| Partnered Care Premier Gold Cigna HealthCare of Florida, Inc. · HMO | $665 | $850 | $1,805 | $1,850 | $7,700 | $20 |
| Standard Gold + Vision + Adult Dental Ambetter Health · HMO | $667 | $853 | $1,811 | $2,000 | $8,200 | $30 |
| UHC Gold Standard UnitedHealthcare · HMO | $671 | $858 | $1,821 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare · HMO | $677 | $865 | $1,837 | $0 | $10,600 | $25 |
| Connect Gold South FL 1500 Indiv Med Deductible Cigna Healthcare · EPO | $678 | $867 | $1,840 | $1,500 | $9,450 | $5 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · HMO | $682 | $871 | $1,850 | $800 | $7,250 | $35 |
| Partnered Care Gold CMS Standard Cigna HealthCare of Florida, Inc. · HMO | $682 | $872 | $1,851 | $2,000 | $8,200 | $30 |
| Connect Gold South FL CMS Standard Cigna Healthcare · EPO | $683 | $873 | $1,854 | $2,000 | $8,200 | $30 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $685 | $875 | $1,859 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter Health · HMO | $686 | $876 | $1,861 | $1,450 | $7,500 | $15 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare · HMO | $689 | $881 | $1,870 | $500 | $9,000 | $20 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $697 | $890 | $1,891 | $940 | $4,500 | No Charge |
| Complete Gold + Vision + Adult Dental Ambetter Health · HMO | $704 | $900 | $1,912 | $1,450 | $7,500 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $706 | $902 | $1,915 | $500 | $9,000 | $20 |
| AvMed Entrust Gold Standard (2026) AvMed · HMO | $723 | $924 | $1,963 | $2,000 | $8,200 | $30 |
| AvMed Entrust Gold 125 (2026) AvMed · HMO | $737 | $942 | $2,000 | $2,000 | $5,850 | $35 |
| AvMed Entrust Gold 125 Dental+Vision (2026) AvMed · HMO | $740 | $946 | $2,009 | $2,000 | $5,850 | $35 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $991 | $1,267 | $2,690 | $2,000 | $8,200 | $30 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,014 | $1,296 | $2,753 | $1,500 | $6,450 | No Charge |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,041 | $1,331 | $2,826 | $0 | $6,250 | No Charge |
| BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,045 | $1,336 | $2,836 | $0 | $6,250 | No Charge |
| BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $1,081 | $1,382 | $2,935 | $2,000 | $8,200 | $30 |
| BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $1,147 | $1,466 | $3,112 | $0 | $6,250 | No Charge |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,485 | $1,897 | $4,029 | $2,000 | $8,200 | $30 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,520 | $1,942 | $4,125 | $1,500 | $6,450 | No Charge |
| BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,561 | $1,995 | $4,237 | $0 | $6,250 | No Charge |
Platinum plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,298 | $1,659 | $3,523 | $1,000 | $4,000 | No Charge |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,334 | $1,705 | $3,621 | $0 | $2,525 | No Charge |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,390 | $1,777 | $3,774 | $0 | $5,200 | $10 |
| BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $1,398 | $1,787 | $3,794 | $0 | $2,525 | No Charge |
| BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $1,465 | $1,872 | $3,976 | $0 | $5,200 | $10 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,972 | $2,520 | $5,351 | $1,000 | $4,000 | No Charge |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $2,029 | $2,592 | $5,505 | $0 | $2,525 | No Charge |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $2,114 | $2,701 | $5,737 | $0 | $5,200 | $10 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) Wellpoint · HMO | $415 | $531 | $1,127 | $10,600 | $10,600 | $40 |
Care quality in Miami-Dade County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Miami-Dade County.
Frequently asked questions
How many Marketplace health plans are available in Miami-Dade County, FL for 2026?
189 plans from 11 insurers: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Cigna HealthCare of Florida, Inc., Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Wellpoint.
What is the benchmark silver plan premium in Miami-Dade County, FL?
For 2026, the second-lowest-cost silver plan costs $684 a month for a 40-year-old before tax credits, up 33% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Miami-Dade County, FL?
The lowest bronze premium for a 40-year-old is $502 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Miami-Dade County, FL?
Aetna CVS Health, Oscar Insurance Company of Florida offered plans here in 2025 but don't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.