Miami-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Miami-Dade County, FL has about 2,716,940 residents per the 2024 ACS 5-year estimates (19% age 65 or older). The leading insurance carriers serving the county for aca health insurance include UnitedHealthcare MedicareMax FL-0028, Humana Gold Plus H1036-054C, UnitedHealthcare Preferred FL-0001. We compare options at no cost to you.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
Miami-Dade County has about 2,716,940 residents, 19% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include UnitedHealthcare MedicareMax FL-0028, Humana Gold Plus H1036-054C, UnitedHealthcare Preferred FL-0001 — but the right fit depends on your household size, income, and which doctors you want to keep. We compare UnitedHealthcare MedicareMax FL-0028 against every other carrier serving Miami-Dade County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Miami-Dade County different: Among the highest MA penetration of any large U.S. county (~80%, KFF 2024). 46 MA plan options in 2026; 70% rated 4+ stars (medicare.org).
UnitedHealthcare MedicareMax FL-0028 (HMO)
4-star CMS rating
Humana Gold Plus H1036-054C (HMO)
4-star CMS rating
UnitedHealthcare Preferred FL-0001 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each ACA Health Insurance plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Miami-Dade County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Miami-Dade County plans that fit your situation.
Miami-Dade County has about 2,716,940 residents per the 2024 ACS 5-year estimates; 19% are age 65 or older.
The largest carriers in Miami-Dade County are UnitedHealthcare MedicareMax FL-0028 (HMO), Humana Gold Plus H1036-054C (HMO), UnitedHealthcare Preferred FL-0001 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Miami-Dade (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Jackson Memorial Hospital, Baptist Hospital of Miami, Mount Sinai Medical Center.
With over 80% of residents on Medicare, many are choosing ACA plans for supplemental coverage. Our local agent can help you find the right plan.
Enroll during Annual Enrollment Period (AEP) from Oct 15-Dec 7 or Special Enrollment Periods if you have a life change. Matt can guide you through.
Accessibility
Text size
