Sarah BelaliaLife & Health Insurance Services
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Serving Miami Gardens, FL

Health Insurance in Miami Gardens, FL

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

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

Miami Gardens at a glance

People in Miami Gardens
113,177
Census ACS 2020 to 2024
Have no health insurance
19.8%
Miami-Dade: 13.6%. Florida: 11.5%.
Buy their own coverage
9.5%
Individual plans only, no job-based or public coverage. Florida: 11.1%.
Marketplace sign-ups for 2026
47,290
In ZIP codes 33055, 33056 and 33169. 98% got a tax credit.

Among adults 19 to 64 in Miami Gardens, 27.8% have no health insurance. In Florida it is 16.8%.

Marketplace plans for Miami Gardens 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 Gardens

Marketplace sign-ups for 2026, by ZIP code.

ZIP codeSign-upsGot a tax credit
3305520,16098.8%
3305613,69397.4%
3316913,43797.4%

Census ZIP code areas mostly inside Miami Gardens 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 Gardens

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

  • Memorial Hospital Pembroke

    Pembroke Pines, FL 33024. Acute care hospital, emergency department. About 5 miles away.

  • Hialeah Hospital

    Hialeah, FL 33013. Acute care hospital, emergency department. About 6 miles away.

  • Memorial Regional Hospital

    Hollywood, FL 33021. Acute care hospital, emergency department. About 6 miles away.

  • HCA Florida Aventura Hospital

    Aventura, FL 33180. Acute care hospital, emergency department. About 6 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 Gardens

Health insurance questions in Miami Gardens

How many people in Miami Gardens have a Marketplace plan?

47,290 people in Miami Gardens ZIP codes (33055, 33056 and 33169) picked a HealthCare.gov plan for 2026, according to CMS. 98% of them got a tax credit.

How many insurance companies sell Marketplace plans in Miami Gardens?

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 Gardens?

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 Gardens?

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 Gardens?

Memorial Hospital Pembroke (Pembroke Pines), Hialeah Hospital (Hialeah), Memorial Regional Hospital (Hollywood) and HCA Florida Aventura Hospital (Aventura). Networks differ by plan, so we check your hospital before you enroll.

Is the uninsured rate in Miami Gardens high?

19.8% of Miami Gardens 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 Gardens

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