ACA plans available
189
Plan year 2026
2026 data Public-data reference. official source
Miami-Dade, Florida Health Insurance
Open-data reference.
189 ACA plans from 12 issuers — Plan year 2026
Miami-Dade, Florida offers 189 ACA marketplace plans from 12 issuers for plan year 2026. Bronze plans start at $432/mo and Silver plans start at $559/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$709
Avg Silver Premium/mo
$561
Benchmark Premium/mo
+42.8%
Year-over-Year Change
$4,866
Avg Deductible
What the Numbers Say About Miami-Dade
Miami-Dade, Florida has 189 ACA marketplace plans offered by 12 issuers for plan year 2026. The average Silver-tier premium comes in at $709/mo for a 27-year-old non-tobacco user, with the lowest Silver at $559 and the highest at $1,600. Bronze plans start at $432/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $561/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,866 and the average out-of-pocket maximum is $8,864 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Miami-Dade shifted by +42.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 12 issuers active in Miami-Dade, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
7 plans$590/mo avg
$432 — $916
Silver
72 plans$709/mo avg
$559 — $1,600
Gold
45 plans$797/mo avg
$512 — $1,636
Platinum
8 plans$1,703/mo avg
$1,360 — $2,215
Catastrophic plan available: avg $435/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Miami-Dade is $561/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
12
Competitive market
Benchmark Silver
$561 /mo
Sets your subsidy ceiling
Avg deductible
$4,866
Across all metal tiers
Miami-Dade ACA plans by premium and deductible
Each marker is the Miami-Dade average for one metal tier — monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Miami-Dade, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Miami-Dade
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | 33 | $1,181/mo |
| Florida Blue HMO (a BlueCross BlueShield FL company) | 32 | $717/mo |
| Molina Healthcare | 21 | $578/mo |
| Ambetter Health | 19 | $654/mo |
| UnitedHealthcare | 17 | $609/mo |
| Oscar Health Maintenance Organization of Florida | 15 | $510/mo |
| Wellpoint | 13 | $568/mo |
| AvMed | 11 | $688/mo |
| Cigna Healthcare | 8 | $689/mo |
| AmeriHealth Caritas Next | 8 | $550/mo |
| Ambetter Health | 7 | $601/mo |
| Cigna HealthCare of Florida, Inc. | 5 | $766/mo |
All Plans in Miami-Dade
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) Wellpoint | Catastrophic | HMO | $435.36 | $530.91 | $10,600 | $10,600 |
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $432.49 | $527.41 | $10,125 | $10,150 |
| AmeriHealth Caritas Next Bronze Essential + No Referrals AmeriHealth Caritas Next | Bronze | HMO | $438.17 | $534.34 | $10,600 | $10,600 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $464.79 | $566.80 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $464.85 | $566.87 | $10,600 | $10,600 |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $689.06 | $840.29 | $6,150 | $10,150 |
| BlueCare Bronze 24K02-18 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | POS | $722.93 | $881.59 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $915.76 | $1,116.74 | $6,150 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $411.41 | $501.70 | $9,000 | $10,600 |
| Bronze Classic Standard Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $433.87 | $529.09 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $437.44 | $533.45 | $4,700 | $10,150 |
| Bronze Simple Diabetes Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $439.25 | $535.65 | $5,500 | $10,150 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $440.58 | $537.27 | $7,500 | $10,000 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $440.58 | $537.27 | $3,850 | $10,600 |
| Bronze Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $444.62 | $542.19 | $5,500 | $10,150 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $461.74 | $563.07 | $6,000 | $10,600 |
| Molina Bronze Standard Molina Healthcare | Expanded Bronze | HMO | $465.33 | $567.45 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $468.84 | $571.74 | $5,500 | $10,600 |
| Bronze Elite + PCP Saver Plus Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $471.80 | $575.34 | $0 | $10,600 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Expanded Bronze | HMO | $472.88 | $576.66 | $7,500 | $10,000 |
| Standard Expanded Bronze VALUE Ambetter Health | Expanded Bronze | HMO | $475.73 | $580.14 | $7,500 | $10,000 |
| Molina Bronze Enhanced 3500 Molina Healthcare | Expanded Bronze | HMO | $476.75 | $581.38 | $3,500 | $9,950 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $477.52 | $582.32 | $5,500 | $10,600 |
| Molina Bronze Enhanced 3500 Pluswith Adult Vision Molina Healthcare | Expanded Bronze | HMO | $480.07 | $585.43 | $3,500 | $9,950 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $487.02 | $593.90 | $7,500 | $10,000 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $491.79 | $599.72 | $3,500 | $9,950 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $492.70 | $600.83 | $2,625 | $10,150 |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $493.43 | $601.72 | $7,500 | $10,000 |
| myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $498.94 | $608.44 | $6,000 | $10,150 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $504.16 | $614.81 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $504.59 | $615.33 | $0 | $10,600 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $513.53 | $626.23 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $515.10 | $628.15 | $7,500 | $10,000 |
| Molina Bronze Premier with $0 Medical Deductible Molina Healthcare | Expanded Bronze | HMO | $521.43 | $635.86 | $0 | $10,350 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $521.73 | $636.24 | $0 | $10,600 |
| Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision Molina Healthcare | Expanded Bronze | HMO | $524.77 | $639.93 | $0 | $10,350 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $527.42 | $643.17 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $529.04 | $645.14 | $7,500 | $10,000 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $532.80 | $649.74 | $0 | $10,150 |
| myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $536.10 | $653.76 | $0 | $10,150 |
| Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $536.44 | $654.17 | $0 | $10,350 |
| Connect Bronze South FL CMS Standard Cigna Healthcare | Expanded Bronze | EPO | $541.01 | $659.74 | $7,500 | $10,000 |
| Elite VALUE Bronze Ambetter Health | Expanded Bronze | HMO | $541.74 | $660.63 | $0 | $10,500 |
| Connect Bronze South FL 7000 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | EPO | $542.47 | $661.52 | $7,000 | $9,800 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $542.86 | $662.00 | $0 | $10,150 |
| Connect Bronze South FL 3800 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | EPO | $548.11 | $668.41 | $3,800 | $9,750 |
| AvMed Entrust Expanded Bronze Standard (2026) AvMed | Expanded Bronze | HMO | $555.28 | $677.15 | $7,500 | $10,000 |
| AvMed Entrust Bronze 650 (2026) AvMed | Expanded Bronze | HMO | $563.24 | $686.86 | $10,150 | $10,150 |
| AvMed Entrust Bronze 600 (2026) AvMed | Expanded Bronze | HMO | $571.74 | $697.22 | $6,500 | $9,500 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $586.57 | $715.30 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $602.44 | $734.65 | $0 | $10,500 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $715.06 | $871.99 | $7,500 | $10,000 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $721.18 | $879.46 | $6,650 | $7,400 |
| BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $726.28 | $885.68 | $6,500 | $10,000 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $757.39 | $923.61 | $0 | $9,900 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $761.40 | $928.51 | $0 | $9,900 |
| BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $763.52 | $931.09 | $7,500 | $10,000 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $769.43 | $938.29 | $0 | $9,900 |
| BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $780.89 | $952.26 | $6,500 | $10,000 |
| BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $825.36 | $1,006.50 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $950.17 | $1,158.70 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $958.58 | $1,168.96 | $6,650 | $7,400 |
| BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $965.50 | $1,177.40 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $1,008.48 | $1,229.81 | $0 | $9,900 |
| myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $559.24 | $681.98 | $9,500 | $10,025 |
| Silver Simple PCP Saver Oscar Health Maintenance Organization of Florida | Silver | HMO | $561.20 | $684.37 | $5,000 | $9,250 |
| myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $562.67 | $686.16 | $9,500 | $10,025 |
| Silver Classic Standard Oscar Health Maintenance Organization of Florida | Silver | HMO | $566.22 | $690.48 | $6,000 | $8,900 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $566.33 | $690.62 | $6,200 | $9,600 |
| Silver Simple Diabetes Oscar Health Maintenance Organization of Florida | Silver | HMO | $566.54 | $690.87 | $6,500 | $10,000 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $567.10 | $691.56 | $6,000 | $10,150 |
| Silver Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida | Silver | HMO | $567.64 | $692.22 | $5,900 | $10,150 |
| AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next | Silver | HMO | $568.33 | $693.06 | $6,100 | $9,000 |
| 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) | Silver | HMO | $569.44 | $694.41 | $9,500 | $10,025 |
| myBlue Silver 25M03-01 ($0 Primary Care Visits with Select Providers / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $569.70 | $694.73 | $8,250 | $8,650 |
| myBlue Silver 25M03-01V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $573.01 | $698.77 | $8,250 | $8,650 |
| Silver Elite Oscar Health Maintenance Organization of Florida | Silver | HMO | $573.80 | $699.73 | $5,000 | $9,750 |
| myBlue Connected Care Silver 24M03-70 ($0 Primary Care Visits with Select Providers / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $575.93 | $702.32 | $6,375 | $8,825 |
| myBlue Silver 24M03-70V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $579.22 | $706.34 | $6,375 | $8,825 |
| myBlue Silver 25M03-01E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $579.80 | $707.04 | $8,250 | $8,650 |
| myBlue Silver 24M03-70E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $586.02 | $714.63 | $6,375 | $8,825 |
| Molina Silver Access Molina Healthcare | Silver | HMO | $590.45 | $720.03 | $5,750 | $9,050 |
| AmeriHealth Caritas Next Silver Signature + No Referrals AmeriHealth Caritas Next | Silver | HMO | $590.95 | $720.64 | $6,000 | $8,900 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $593.50 | $723.75 | $6,000 | $8,990 |
| Molina Silver Access Pluswith Adult Vision Molina Healthcare | Silver | HMO | $593.76 | $724.07 | $5,750 | $9,050 |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $595.04 | $725.64 | $3,150 | $8,675 |
| Molina Silver Core Pluswith Adult Vision Molina Healthcare | Silver | HMO | $596.81 | $727.79 | $6,000 | $8,990 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $598.32 | $729.64 | $3,150 | $8,675 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $598.35 | $729.66 | $3,500 | $10,150 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $600.76 | $732.60 | $1,850 | $9,100 |
| Clarity VALUE Silver Ambetter Health | Silver | HMO | $602.29 | $734.48 | $8,000 | $8,400 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $605.10 | $737.90 | $3,150 | $8,675 |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $605.37 | $738.22 | $6,000 | $8,900 |
| Molina Silver Access Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $605.45 | $738.33 | $5,750 | $9,050 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $607.14 | $740.38 | $3,500 | $10,150 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $608.49 | $742.03 | $6,000 | $8,990 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Silver | HMO | $611.45 | $745.64 | $6,000 | $8,900 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $613.72 | $748.41 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $615.15 | $750.16 | $4,500 | $9,900 |
| Thrive Silver Ambetter Health | Silver | HMO | $616.87 | $752.25 | $8,000 | $8,400 |
| AmeriHealth Caritas Next Silver Premier + No Referrals AmeriHealth Caritas Next | Silver | HMO | $621.19 | $757.52 | $400 | $10,200 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $632.30 | $771.06 | $4,500 | $9,900 |
| Standard Silver VALUE Ambetter Health | Silver | HMO | $642.43 | $783.42 | $6,000 | $8,900 |
| UHC Silver Standard- UnitedHealthcare | Silver | HMO | $646.17 | $787.98 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $646.24 | $788.07 | $6,000 | $8,900 |
| Focused VALUE Silver Ambetter Health | Silver | HMO | $650.17 | $792.86 | $6,300 | $8,400 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $654.83 | $798.54 | $2,700 | $10,350 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare | Silver | HMO | $663.39 | $808.98 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $671.97 | $819.45 | $2,700 | $10,350 |
| Standard Silver Ambetter Health | Silver | HMO | $695.59 | $848.24 | $6,000 | $8,900 |
| AvMed Entrust Silver Standard (2026) AvMed | Silver | HMO | $695.60 | $848.25 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $703.97 | $858.47 | $6,300 | $8,400 |
| AvMed Entrust Silver 550 (2026) AvMed | Silver | HMO | $707.15 | $862.34 | $6,250 | $8,000 |
| AvMed Entrust Silver 550 Dental+Vision (2026) AvMed | Silver | HMO | $710.10 | $865.94 | $6,250 | $8,000 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $714.41 | $871.19 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $715.63 | $872.68 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $723.02 | $881.70 | $6,300 | $8,400 |
| AvMed Entrust Silver 350 (2026) AvMed | Silver | HMO | $727.62 | $887.31 | $3,500 | $9,250 |
| AvMed Entrust Silver 350 Dental+Vision (2026) AvMed | Silver | HMO | $730.66 | $891.01 | $3,500 | $9,250 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $734.99 | $896.29 | $5,000 | $8,650 |
| Partnered Care Classic Silver Cigna HealthCare of Florida, Inc. | Silver | HMO | $795.12 | $969.62 | $5,000 | $7,950 |
| Partnered Care Premier Silver Cigna HealthCare of Florida, Inc. | Silver | HMO | $796.11 | $970.83 | $7,000 | $8,500 |
| Connect Silver South FL 2850 Indiv Med Deductible Cigna Healthcare | Silver | EPO | $811.26 | $989.30 | $2,850 | $9,450 |
| Connect Silver South FL CMS Standard Cigna Healthcare | Silver | EPO | $816.59 | $995.80 | $6,000 | $8,900 |
| Partnered Care Silver CMS Standard Cigna HealthCare of Florida, Inc. | Silver | HMO | $824.71 | $1,005.71 | $6,000 | $8,900 |
| Connect Silver South FL 4500 Indiv Med Deductible Cigna Healthcare | Silver | EPO | $826.57 | $1,007.97 | $4,500 | $8,850 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $923.53 | $1,126.21 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $927.60 | $1,131.17 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $935.73 | $1,141.09 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $938.83 | $1,144.87 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $949.44 | $1,157.80 | $3,125 | $8,100 |
| BlueCare Silver 24K02-21 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $976.70 | $1,191.06 | $4,000 | $8,100 |
| BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $1,009.62 | $1,231.20 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,480.49 | $1,805.41 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,581.31 | $1,928.35 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,599.65 | $1,950.71 | $3,125 | $8,100 |
| Gold Simple Oscar Health Maintenance Organization of Florida | Gold | HMO | $511.78 | $624.10 | $3,000 | $9,950 |
| Gold Classic Standard Oscar Health Maintenance Organization of Florida | Gold | HMO | $537.62 | $655.60 | $2,000 | $8,200 |
| Molina Gold Enhanced 895 Molina Healthcare | Gold | HMO | $623.06 | $759.80 | $895 | $8,700 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $623.52 | $760.36 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $626.38 | $763.85 | $895 | $8,700 |
| Molina Gold Core 1640 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $626.87 | $764.45 | $1,640 | $8,100 |
| Standard Gold VALUE Ambetter Health | Gold | HMO | $628.71 | $766.69 | $2,000 | $8,200 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $638.05 | $778.08 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $638.53 | $778.67 | $1,640 | $8,100 |
| AmeriHealth Caritas Next Gold Signature + No Referrals AmeriHealth Caritas Next | Gold | HMO | $641.16 | $781.87 | $2,000 | $8,200 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $652.28 | $795.43 | $2,000 | $8,200 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $654.66 | $798.34 | $800 | $9,000 |
| AmeriHealth Caritas Next Gold Premier + No Referrals AmeriHealth Caritas Next | Gold | HMO | $659.95 | $804.78 | $850 | $8,500 |
| Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $661.11 | $806.20 | $800 | $9,000 |
| Complete VALUE Gold Ambetter Health | Gold | HMO | $663.78 | $809.46 | $1,450 | $7,500 |
| Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Gold | HMO | $668.10 | $814.73 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $669.05 | $815.89 | $1,400 | $5,000 |
| Standard Gold Ambetter Health | Gold | HMO | $680.73 | $830.13 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $695.47 | $848.10 | $800 | $7,250 |
| Partnered Care Premier Gold Cigna HealthCare of Florida, Inc. | Gold | HMO | $696.82 | $849.74 | $1,850 | $7,700 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $699.15 | $852.59 | $2,000 | $8,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $703.28 | $857.63 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $709.35 | $865.02 | $0 | $10,600 |
| Connect Gold South FL 1500 Indiv Med Deductible Cigna Healthcare | Gold | EPO | $710.69 | $866.66 | $1,500 | $9,450 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $714.29 | $871.05 | $800 | $7,250 |
| Partnered Care Gold CMS Standard Cigna HealthCare of Florida, Inc. | Gold | HMO | $714.74 | $871.60 | $2,000 | $8,200 |
| Connect Gold South FL CMS Standard Cigna Healthcare | Gold | EPO | $715.91 | $873.03 | $2,000 | $8,200 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $717.89 | $875.44 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $718.71 | $876.44 | $1,450 | $7,500 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $722.25 | $880.76 | $500 | $9,000 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $730.12 | $890.36 | $940 | $4,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $738.15 | $900.15 | $1,450 | $7,500 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $739.39 | $901.66 | $500 | $9,000 |
| AvMed Entrust Gold Standard (2026) AvMed | Gold | HMO | $757.91 | $924.25 | $2,000 | $8,200 |
| AvMed Entrust Gold 125 (2026) AvMed | Gold | HMO | $772.44 | $941.97 | $2,000 | $5,850 |
| AvMed Entrust Gold 125 Dental+Vision (2026) AvMed | Gold | HMO | $775.63 | $945.85 | $2,000 | $5,850 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,038.59 | $1,266.52 | $2,000 | $8,200 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,063.16 | $1,296.49 | $1,500 | $6,450 |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,091.21 | $1,330.69 | $0 | $6,250 |
| BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,095.24 | $1,335.61 | $0 | $6,250 |
| BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,133.20 | $1,381.90 | $2,000 | $8,200 |
| BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,201.87 | $1,465.64 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,555.91 | $1,897.38 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,592.89 | $1,942.47 | $1,500 | $6,450 |
| BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,636.16 | $1,995.24 | $0 | $6,250 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,360.46 | $1,659.04 | $1,000 | $4,000 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,398.20 | $1,705.06 | $0 | $2,525 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,457.15 | $1,776.94 | $0 | $5,200 |
| BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,465.00 | $1,786.52 | $0 | $2,525 |
| BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,535.26 | $1,872.19 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $2,066.39 | $2,519.90 | $1,000 | $4,000 |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $2,125.91 | $2,592.47 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $2,215.17 | $2,701.32 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $426/mo | $366 | $830 | 100 | 11 |
| 2023 | $452/mo | $379 | $890 | 91 | 12 |
| 2024 | $490/mo | $398 | $1,029 | 66 | 11 |
| 2025 | $529/mo | $422 | $1,111 | 65 | 12 |
| 2026 | $709/mo | $559 | $1,600 | 72 | 12 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore Florida ACA Data
All of Florida
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Miami-Dade, FL?
There are 189 ACA marketplace plans available in Miami-Dade from 12 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Miami-Dade?
The lowest-premium plan in Miami-Dade starts at $432/mo (Bronze tier, age 27). Silver plans start at $559/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Miami-Dade?
The benchmark (second-lowest Silver) premium in Miami-Dade is $561/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Miami-Dade?
Average premiums in Miami-Dade changed by +42.8% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Miami-Dade?
The average annual deductible across all plans in Miami-Dade is $4,866, and the average out-of-pocket maximum is $8,864. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Miami-Dade?
There are 12 insurance issuers offering ACA marketplace plans in Miami-Dade, including Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
