Sarah BelaliaLife & Health Insurance Services
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Serving Miami Beach, FL

Health Insurance in Miami Beach, FL

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

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

Miami Beach at a glance

People in Miami Beach
82,031
Census ACS 2020 to 2024
Have no health insurance
15.6%
Miami-Dade: 13.6%. Florida: 11.5%.
Buy their own coverage
20.8%
Individual plans only, no job-based or public coverage. Florida: 11.1%.
Marketplace sign-ups for 2026
28,738
In ZIP codes 33139, 33140 and 33141. 92.5% got a tax credit.

Among adults 19 to 64 in Miami Beach, 20.8% have no health insurance. In Florida it is 16.8%.

Marketplace plans for Miami Beach 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 Miami Beach

Marketplace sign-ups for 2026, by ZIP code.

ZIP codeSign-upsGot a tax credit
3313910,58790.7%
331405,04288.9%
3314113,10995.4%

Census ZIP code areas mostly inside Miami Beach 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 Miami Beach

The closest general hospitals with an emergency department, measured from the center of Miami Beach.

  • Mount Sinai Medical Center

    Miami Beach, FL 33140. Acute care hospital, emergency department. About under 1 mile away.

  • Jackson Health System

    Miami, FL 33136. Acute care hospital, emergency department. About 4 miles away.

  • North Shore Medical Center

    Miami, FL 33150. Acute care hospital, emergency department. About 5 miles away.

  • Hialeah Hospital

    Hialeah, FL 33013. 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 Miami Beach

Health insurance questions in Miami Beach

How many people in Miami Beach have a Marketplace plan?

28,738 people in Miami Beach ZIP codes (33139, 33140 and 33141) picked a HealthCare.gov plan for 2026, according to CMS. 92.5% of them got a tax credit.

How many insurance companies sell Marketplace plans in Miami Beach?

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 Miami Beach?

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 Miami Beach?

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 Miami Beach?

Mount Sinai Medical Center (Miami Beach), Jackson Health System (Miami), North Shore Medical Center (Miami) and Hialeah Hospital (Hialeah). Networks differ by plan, so we check your hospital before you enroll.

Is the uninsured rate in Miami Beach high?

15.6% of Miami Beach residents have no health insurance, higher 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 Miami Beach

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