Health Insurance in Coral Gables, FL

Health Insurance in Coral Gables, FL

Residents of Coral Gables can compare marketplace health plans from Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna, Florida Blue, Molina Healthcare, Oscar, UnitedHealthcare and Wellpoint. 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

Medicare’s hospital directory lists these acute-care hospitals in Coral Gables:

• Coral Gables Hospital
• Doctors Hospital

Which plans include each hospital varies by plan and year, not just by insurer. Before you enroll, confirm that your doctors and preferred hospital are in-network for the specific plan ID you choose. We do this check for every client at no charge.

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. The enhanced rules that briefly extended credits above that line expired at the end of 2025, so for 2026 no premium tax credit is available at this income — the full filed premium applies.

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