Miami-Dade consistently posts some of the highest ACA marketplace enrollment numbers of any county in the nation, and Miami is the reason: a city of entrepreneurs, hospitality workers, freelancers, and international traders where the employer group plan is the exception rather than the rule. If the individual insurance market has a capital, it is here.
The rules here
| Max initial term (short-term) | Less than 12 months |
| Max total duration | 36 months (Fla. Stat. 627.6426) |
| Products available | ACA marketplace, short-term, extended short-term, fixed indemnity, supplemental |
| Exchange type | Federal marketplace (HealthCare.gov) |
| Medicaid expansion | No |
What's available in Miami
| Coverage line | Available here | Key limit | Learn more |
|---|---|---|---|
| ACA marketplace plans | Yes | Open enrollment or a qualifying event | ACA plans |
| Short-term medical | Yes | Initial term under 12 months | Short-term |
| Extended short-term (multi-year) | Yes | Up to 36 months total | Extended plans |
| Fixed indemnity | Yes | Pays set cash amounts, not a substitute for major medical | Fixed indemnity |
| Supplemental (accident, critical illness, dental, vision) | Yes | Pairs with other coverage | Accident · Critical illness · Dental · Vision |
Short-term and fixed indemnity plans are not ACA compliant and do not count as minimum essential coverage. They are medically underwritten and typically exclude pre-existing conditions.
What one person pays for coverage in Florida
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
| Coverage type | Monthly premium (individual) | What that number is |
|---|---|---|
| ACA marketplace (before subsidy) | $806 avg. | State average, before tax credits (CMS Marketplace OEP, 2026).1 |
| ACA marketplace (after average subsidy) | $62 after credit | State average, after the average tax credit, among subsidized enrollees (CMS Marketplace OEP, 2026).1 |
| Employer coverage (single / family) | $751 / $2067 single / family | State average total monthly premium, single / family; employee pays about $148/mo toward single coverage (MEPS-IC, 2024).2 |
| Medicaid | $0 or nominal for those who qualify | Program design, not an average; eligibility is income-based5 |
| Fixed indemnity | $211.93 mean | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Accident | sec-39.04 median | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Critical Illness | sec-34.44 median | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
| Dental | $46.00 mean | Among GetHealthPlans.com clients in Florida with individual coverage, as of July 2026.3 |
Miami may have more self-employed residents per block than any city in Florida, and every one of them starts from the individual marketplace benchmark above. Subsidy eligibility follows household income and size for the year. Estimates guarantee nothing, and a licensed agent, working in English, Spanish, or Creole, can produce your real quote.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Miami at a glance
Miami is the commercial hinge between the United States and Latin America, with an economy running on trade through PortMiami, tourism, construction, and a fast-growing finance and technology corridor. Its workforce is heavily immigrant, heavily entrepreneurial, and unusually dependent on individual coverage rather than employer plans.
| Population | County | Metro |
|---|---|---|
| ~442,000 | Miami-Dade (FIPS 12086) | Miami-Fort Lauderdale-West Palm Beach |
Three Miami situations
Valentina, 29, freelance interpreter working the courts and cruise lines. Multiple 1099s, no benefits anywhere. Her projected income lands in strong subsidy territory, so a silver marketplace plan with cost-sharing reductions likely beats every underwritten quote she has seen, and it covers her without exclusions.
Ernesto, 51, imports produce through the port. Business is good, no subsidy for him. Clean health record, so he weighs an extended short-term plan, allowed up to 36 months under Florida law, against an unsubsidized bronze plan. The short-term option prices lower today; the bronze plan cannot exclude whatever his health does next. That tradeoff is the whole decision.
Fabiola, 46, hotel housekeeping supervisor whose hours were cut. Losing group eligibility opens a Special Enrollment Period. At her reduced income, subsidies likely cover most of a marketplace premium. Her asthma makes underwritten alternatives a poor fit regardless, since short-term plans typically exclude pre-existing conditions.
How Florida's rules work
Fla. Stat. 627.6426 authorizes short-term plans with initial terms under 12 months and total durations up to 36 months including renewals. This is Florida statute, stable regardless of federal churn; the 2024 federal restriction is currently not being enforced per the August 7, 2025 tri-agency statement.
Florida's non-expansion of Medicaid cuts hardest in a city like Miami. Adults below the federal poverty level without dependent children can occupy the coverage gap, eligible for neither Medicaid nor subsidies, and Miami's cash-and-gig economy pushes many households near that line. The projection of annual income on a marketplace application is therefore not paperwork; it is the decision. Florida enrolls through HealthCare.gov from November 1 to January 15, and Miami's enrollment ecosystem, from storefront agents to nonprofit navigators, is the busiest in the state.
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Keep reading — more Florida guides
Premium data methodology. 1 Marketplace premium averages reflect the average monthly premium before advance premium tax credits, the average monthly premium after advance premium tax credits among subsidized enrollees, and the percentage of enrollees receiving advance premium tax credits, for Florida, as reported in the Centers for Medicare & Medicaid Services (CMS) Marketplace Open Enrollment Period Public Use Files, 2026 plan year, available at cms.gov. Figures are statewide averages across all metal tiers, ages, and household sizes; your premium will differ based on your age, household, income, county, and plan selection.
2 Employer coverage averages reflect the average total monthly premium for single and family coverage at private-sector establishments in Florida, including both employer and employee contributions, as reported in the Medical Expenditure Panel Survey Insurance Component (MEPS-IC), Agency for Healthcare Research and Quality, 2024 tables, available at meps.ahrq.gov. Employee contribution figure reflects the average employee share of the single-coverage premium. Employer plan costs vary by employer, plan design, and firm size.
3 Client averages are calculated from GetHealthPlans.com (MTG Insurance Agency LLC) internal book-of-business records as of July 15, 2026 and reflect the median or mean monthly premium, as labeled, among active policies providing individual coverage (one covered person) of the stated product type held by our clients residing in the stated state or, where labeled agency-wide, across all states in which we operate. Family and multi-person policies are excluded so that figures reflect what one person pays. Figures are shown only for states and products where our records include a sufficient number of active individual policies to report a meaningful average, with a minimum of ten; combinations below that threshold are not shown. Where a figure is labeled "median," half of our client policies in that group pay less and half pay more. Our client base reflects the products we sell, skews toward medically underwritten coverage, and may not represent all buyers or all plans available in a state. These figures are historical averages of premiums actually paid by our clients, are not quotes, offers, or projections, and are not statements of what any individual will pay. Individual premiums are determined by the insurer at application based on age, location, term length, benefit selections, and underwriting outcomes.
4 No federal or state agency publishes average premium data for short-term limited duration insurance or fixed indemnity insurance. Where we do not display a client-base figure for these products, it is because we do not have sufficient policy volume in that state to report a meaningful average. Short-term and fixed indemnity products are medically underwritten, are not major medical coverage, are not required to cover pre-existing conditions or essential health benefits, and do not constitute minimum essential coverage under the Affordable Care Act.
5 Medicaid and CHIP are public programs, not insurance products sold by this agency. Premiums are $0 or nominal for those who qualify; eligibility is determined by your state based on income, household size, and other factors. The figure shown describes program design, not an average. Contact your state Medicaid agency or HealthCare.gov to check eligibility.