What ACA marketplace plans are available in Miami, Florida in 2026?
Miami, Florida (population 459,745), covering ZIP codes 33101, 33102, 33106, 33111, 33112 and 90 more sits in Miami-Dade County, where 189 ACA marketplace plans from 11 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $684 per month for a 40-year-old. 2027 plans for Miami-Dade County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Updated July 23, 2026 · Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, licensed in Florida (License #G064409) · reviewed Jul 25, 2026
Three lowest-cost silver plans at age 40
- Florida Blue HMO (a BlueCross BlueShield FL company) — myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) · $681.98/mo · deductible $9,500 · MOOP $10,025
- Oscar Health Maintenance Organization of Florida — Silver Simple PCP Saver · $684.37/mo · deductible $5,000 · MOOP $9,250
- Florida Blue HMO (a BlueCross BlueShield FL company) — myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards) · $686.16/mo · deductible $9,500 · MOOP $10,025
See the Miami city page with stats and ZIP codes →
Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).