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Serving Key Biscayne, FL

Health Insurance in Key Biscayne, FL

Plans from many carriers, side by side. We find the one that fits you, your family or your business in Key Biscayne.

Our office: 2665 South Bayshore Drive, Suite 220-91, Miami, FL 33133. Call us or book a time.

Key Biscayne at a glance

People in Key Biscayne
14,791
Census ACS 2020 to 2024
Have no health insurance
1.8%
Miami-Dade: 13.6%. Florida: 11.5%.
Buy their own coverage
25.5%
Individual plans only, no job-based or public coverage. Florida: 11.1%.
Marketplace sign-ups for 2026
2,566
In ZIP codes 33149. 83.7% got a tax credit.

Among adults 19 to 64 in Key Biscayne, 2.8% have no health insurance. In Florida it is 16.8%.

Marketplace plans for Key Biscayne in 2026

Plans and prices are set by county. 9 insurance companies offer 189 plans in Miami-Dade County.

Lowest monthly premium for a 40-year-old, before tax credits. Source: CMS plan data, plan year 2026.
Metal tierPlansLowest premium
Bronze63$501.70
Silver72$681.98
Gold45$624.10
Platinum8$1,659.04

Your price depends on your age, income, household and plan. We run the numbers with you.

ZIP codes we serve in Key Biscayne

Marketplace sign-ups for 2026, by ZIP code.

ZIP codeSign-upsGot a tax credit
331492,56683.7%

Census ZIP code areas mostly inside Key Biscayne or covering a large part of it. Some reach into nearby areas. CMS does not publish very small counts. Source: CMS 2026 Open Enrollment ZIP-level file.

Hospitals near Key Biscayne

The closest general hospitals with an emergency department, measured from the center of Key Biscayne.

  • Doctors Hospital

    Coral Gables, FL 33146. Acute care hospital, emergency department. About 7 miles away.

  • Jackson Health System

    Miami, FL 33136. Acute care hospital, emergency department. About 7 miles away.

  • Coral Gables Hospital

    Coral Gables, FL 33134. Acute care hospital, emergency department. About 8 miles away.

  • South Miami Hospital

    Miami, FL 33143. Acute care hospital, emergency department. About 8 miles away.

Networks differ by plan. Before you enroll, we check that your doctors and hospital are in the network. Source: CMS Care Compare. Distances are straight-line and approximate.

More coverage in Key Biscayne

Health insurance questions in Key Biscayne

How many people in Key Biscayne have a Marketplace plan?

2,566 people in Key Biscayne ZIP codes (33149) picked a HealthCare.gov plan for 2026, according to CMS. 83.7% of them got a tax credit.

How many insurance companies sell Marketplace plans in Key Biscayne?

9 for 2026: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue, Molina Healthcare, Oscar Health, UnitedHealthcare and Wellpoint. Together they offer 189 plans in Miami-Dade County, according to CMS.

What does the lowest cost Marketplace plan cost in Key Biscayne?

For a 40-year-old in Miami-Dade County, the lowest 2026 premium before tax credits is $501.70 a month for bronze and $681.98 for silver. 97.1% of Miami-Dade enrollees got a tax credit for 2026, which lowers what they pay.

When can I sign up for health insurance in Key Biscayne?

Open Enrollment for 2027 plans runs November 1, 2026 to January 15, 2027. Sign up by December 15, 2026 for coverage that starts January 1. Outside that window you need a qualifying life event, like losing coverage, marriage, a baby or a move.

Which hospitals are closest to Key Biscayne?

Doctors Hospital (Coral Gables), Jackson Health System (Miami), Coral Gables Hospital (Coral Gables) and South Miami Hospital (Miami). Networks differ by plan, so we check your hospital before you enroll.

Is the uninsured rate in Key Biscayne high?

1.8% of Key Biscayne residents have no health insurance, lower than the Florida rate of 11.5%. Source: Census Bureau, American Community Survey 2020 to 2024.

Sources

Figures compiled 2026-10-09. Plan counts and premiums are for plans sold on HealthCare.gov.

Nearby areas we serve

Health insurance in Key Biscayne

Call or book a time. A real person answers, not a call center.