Jackson Health System
Jackson Memorial, run by the county's Public Health Trust, is the largest public hospital in the country and the region's safety-net anchor.
Miami, Florida · Miami-Dade County
Health insurance in Miami.
Miami-Dade has more uninsured residents than any other county in Florida and nearly eight solo businesses for every company with employees. If you work for yourself here, no employer is going to solve this for you.
Licensed in Florida · License #G188518 · verify it yourself
359,112
Uninsured residents under 65
The largest uninsured population of any Florida county
748,628
Non-employer businesses
About 7.6 for every firm with employees
54.5%
Residents who are foreign-born
75.3% speak a language other than English at home
$324
Typical net Silver premium
Average Silver plan, single adult age 28 earning $35,000 a year, 2026 plan year
On the ground in Miami-Dade
Miami runs on 1099 income, and the coverage system was not built for that
There are 748,628 non-employer businesses in Miami-Dade against 98,394 firms with employees. That is roughly 7.6 solo operations for every company with staff — the highest ratio of any major Florida metro. Rideshare drivers, contractors, stylists, real estate agents, restaurant workers picking up shifts, people running an import business out of a warehouse in Doral.
Every one of them buys individual health insurance or goes without, and 359,112 Miami-Dade residents under 65 currently go without — more than any other county in the state. Median household income here is $71,753, the lowest of Florida's big four metros, and the poverty rate is 14.2%, the highest.
Florida never expanded Medicaid. A childless adult in Miami-Dade does not qualify for Medicaid at any income, and Marketplace subsidies do not begin until 100% of the federal poverty level. That gap between the two is where a large share of the county's uninsured actually sit — and there are still routes through it that are worth knowing about.
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Income that moves every month
Subsidies are calculated on an estimate of your whole year. If you are paid in cash, in seasons, or per job, that estimate is the single most important number in your application — and the one most often filled in wrong.
Mohab H. Saintelus
Licensed Advisor · FL #G188518
Networks
Hospitals and networks in Miami
The single most common regret in health insurance is a plan that did not include a doctor or hospital someone was already using. This is where we start, not where we finish.
Baptist Health South Florida
Eleven hospitals across Miami-Dade, Broward, Palm Beach and Monroe, with roughly 23,000 employees. Participation varies sharply by plan and metal level.
University of Miami Health System
UHealth and Sylvester Comprehensive Cancer Center — worth checking specifically if you are in active oncology or specialty care.
Nicklaus Children's & Mount Sinai
Both sit on the county's community health needs collaborative, which names access to affordable health insurance as a top local need.
Who we work with
Who we help in Miami
1099 and gig workers
The largest self-employed population in Florida, and the one the Marketplace was effectively designed for. Your subsidy is assessed on net income after business expenses, not gross receipts — a distinction that changes the number more than most people expect.
Spanish and Kreyòl speakers
Three quarters of Miami-Dade speaks a language other than English at home. Your policy is a legal contract; you should be able to read it and ask questions in your own language.
New arrivals and mixed-status families
Lawfully present immigrants can buy Marketplace coverage, and some qualify for subsidies below 100% FPL where citizens would not. Household composition rules here are genuinely complicated and worth walking through with someone.
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Three questions, about sixty seconds. You will receive a response within 24 hours — from a licensed advisor, not a call centre.
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✓ 10 carriers compared in Miami-Dade
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Access to major U.S. carriers
Carrier names are trademarks of their respective owners. Saintellus Health Advisory is an independent advisor.
Working with a local broker in Miami
Saintellus Health Advisory is an independent agency based in Fort Lauderdale and licensed across 31+ states. Independent means we are not tied to one carrier: we compare 10 on-exchange companies in Miami-Dade County alongside private off-exchange plans, employer options and COBRA, then tell you plainly which one fits.
There is no fee for that. The carrier compensates the advisor when someone enrolls, and that compensation is already built into the plan’s filed rate — your premium is identical whether you enroll with us, on your own, or through another agent. What you get for using one is somebody who has read the network directory.
Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027, with December 15, 2026 the deadline for coverage starting January 1. Outside that window you need a qualifying life event — losing job coverage, moving, marriage, a birth — and those have deadlines of their own, usually 60 days.
Common questions about health insurance in Miami
Which health insurance carriers are available in Miami-Dade?
Ten companies sell on-exchange individual plans in Miami-Dade for the 2026 plan year and twelve sell off-exchange, per the Florida Office of Insurance Regulation. Miami-Dade is also one of only six Florida counties where Cigna sold individual plans for 2026 — though Cigna is exiting Florida's individual market for 2027, which is worth planning around now.
Can I get health insurance in Miami if I am self-employed?
Yes, and it is the most common situation we see here. You are not tied to an employer plan, which means the full individual market is open to you. If your income qualifies you for premium tax credits, they are assessed on net income after legitimate business expenses — so the number to bring is your Schedule C bottom line, not your gross receipts.
What if I do not qualify for Medicaid but cannot afford a plan?
Florida has not expanded Medicaid, so a childless adult does not qualify at any income level and a parent in a household of three loses eligibility above roughly a quarter of the poverty line. Marketplace subsidies begin at 100% of the poverty level. If you fall between those, tell us — the answer is situation-specific and there are more routes through than most people are aware of.
Do you speak Spanish or Kreyòl?
Yes. Our advisors work in English, Spanish and Kreyòl. You should be able to ask questions about a contract you are signing in the language you actually think in.
Where these numbers come from
Premium and carrier figures: Florida Office of Insurance Regulation, 2026 plan year tables. Population, income and uninsured figures: U.S. Census QuickFacts, Miami-Dade County (ACS 2020–2024 5-year estimates). Statewide enrollment: KFF Marketplace plan selections, 2026. Medicaid eligibility thresholds: KFF, January 2026. Premium figures describe average silver plan, single adult age 28 earning $35,000 a year, 2026 plan year and are a reference point, not a quote.
Saintellus Health Advisory is an independent insurance agency licensed in 31+ states. Mohab H. Saintelus, Licensed Health Insurance Advisor, Florida license #G188518. Plan availability, pricing and eligibility vary by state, county, age and household. This page is general education and is not medical, tax or legal advice.
Areas served
Around Miami
- Miami Beach
- Hialeah
- Coral Gables
- Doral
- Kendall
- Homestead
- Aventura
- North Miami
Other Florida markets we serve
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