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Marketplace health plans in Miami-Dade County, FL — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, Miami-Dade County, Florida has 162 Marketplace health plans from 8 insurers: 56 bronze, 58 silver, 38 gold, 8 platinum, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $742.33 per month; the lowest bronze premium is $555.10.
What changed vs 2026
- Benchmark silver premium up $57.96 a month (+8.5%) from 2026
- 27 fewer plans than 2026
- Insurers exited: Cigna Healthcare, Cigna HealthCare of Florida, Inc., Molina Healthcare
- Lowest bronze premium up $53.40 a month
Market snapshot
- Residents under 65
- 2,274,460
- Insurers
- 8
- Plans by metal level
- 56 bronze, 58 silver, 38 gold, 8 platinum, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $742.33/mo
- Lowest bronze premium, age 40, before subsidies
- $555.10/mo
- Lowest gold premium, age 40, before subsidies
- $693.93/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,025
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 38 plans (Catastrophic, Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Oscar Health Maintenance Organization of Florida — 20 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 19 plans (Bronze, Silver, Gold)
- Ambetter Health — 18 plans (Bronze, Silver, Gold)
- Wellpoint — 15 plans (Catastrophic, Bronze, Silver, Gold)
- AvMed — 11 plans (Bronze, Silver, Gold)
- AmeriHealth Caritas Next — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Catastrophic | myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) (30252FL0210014) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $443.64 | $12,000 | $12,000 | 2 |
| Bronze | myBlue Essentials Bronze (HSA) 27M07-30 (Rewards) (30252FL0210020) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $555.10 | $11,975 | $12,000 | 56 |
| Silver | myBlue Essentials Silver 27M07-01 ($5 PCP Visits / $5 Labs / Rewards) (30252FL0210001) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $737.25 | $11,925 | $11,950 | 58 |
| Gold | Gold Basic (21525FL0020035) | Oscar Health Maintenance Organization of Florida | HMO | $693.93 | $0 | $11,400 | 38 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $2,511.37 | $1,500 | $4,250 | 8 |
One plan per metal level shown, of 162 plans in the county.
Benchmark silver premium by age
The benchmark plan (Florida Blue HMO (a BlueCross BlueShield FL company)) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $580.85 | $608.73 | $659.26 | $742.33 | $1,037.40 | $1,576.43 |
Nearby counties
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.