Health Insurance in Miami, FL

Choosing a health plan means balancing monthly premium against deductibles, copays, network, and prescription coverage. We help individuals, families, and self employed people in Florida compare plans and understand what they are actually buying.

What health insurance covers

• Individual and family plans through the Health Insurance Marketplace
• Premium tax credits and cost sharing reductions for those who qualify
• Off exchange plans and short term options where appropriate
• Dental and vision
• Help with enrollment, renewals, and special enrollment periods

What Florida owners should know

Florida has one of the largest Marketplace enrollments in the country. Open enrollment runs from November 1 to January 15 each year. Outside that window, you need a qualifying life event such as losing other coverage, moving, marriage, or the birth of a child to enroll. We can check whether you qualify.

Common questions

Do I qualify for a subsidy?

Subsidies are based on household income and size. Many working families in Miami qualify for significant premium help. We can run the numbers with you before you apply.

What is the difference between an HMO and a PPO?

An HMO restricts you to a network and usually requires referrals but costs less. A PPO gives more flexibility to see out of network providers at a higher premium.