Health Insurance in Coral Gables, FL

Health Insurance in Coral Gables, FL

Residents of Coral Gables can compare marketplace health plans from Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina Healthcare, Oscar Health. The leading carrier in Coral Gables is Florida Blue. Coral Gables is home to the University of Miami and anchored by UHealth (University of Miami Health System). The Coral Gables market skews toward higher-income residents with diverse employer and marketplace plan options.

2026 Plan Data for Residents in Coral Gables

Here is what is actually filed and for sale in Miami-Dade County for 2026.

• Coral Gables sits in Miami-Dade County, where 11 carrier(s) have filed 189 plans for 2026: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna HealthCare of Florida, Cigna Healthcare, and others.
• Plan types available to Coral Gables residents: EPO, HMO, POS, PPO.
• One of the lower-cost Silver options is Silver Classic Standard from Oscar Health Maintenance Organization of Florida — $690/month at age 40 with a $6,000 deductible and $40 primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Local Hospitals in Coral Gables, FL

• University of Miami Hospital (UHealth)
• Baptist Health South Florida – South Miami Hospital
• Baptist Health Doctors Hospital (Coral Gables)

Verify your preferred hospital is in-network on any plan before enrolling. Contact the insurer's provider directory for confirmation.

Urgent Care Centers in Coral Gables

• UHealth Urgent Care Coral Gables
• Baptist Health Urgent Care
• CareSpot Urgent Care

ACA Subsidies for Coral Gables Residents

At 671% of the Federal Poverty Level, residents earning around the Coral Gables median of $105,000 are above the traditional 400% FPL threshold. Under current enhanced subsidy rules, premium tax credits still apply, capping the benchmark Silver plan at $744 per month (8.5% of income).

Coral Gables residents enroll through healthcare.gov, the federal marketplace. Open Enrollment runs November 1 through January 15 each year. Special Enrollment Periods are available within 60 days of losing other coverage, marriage, birth of a child, or a move. A licensed broker can confirm your exact subsidy amount based on your income and household size before you enroll.

Coral Gables Health Insurance Market Profile

• Population: 50K
• County: Miami-Dade County
• Median Household Income: $105,000 (~671% of the 2026 FPL)
• Marketplace: healthcare.gov