Health Insurance in Miami Gardens, FL

Health Insurance in Miami Gardens, FL

Compare Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina, Oscar Health in Miami Gardens. The dominant carrier is Florida Blue. Miami Gardens is home to Hard Rock Stadium. The workforce includes service and hospitality workers who often need marketplace coverage.

2026 Plan Data for Residents in Miami Gardens

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

• Miami Gardens 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 Miami Gardens 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

Medicare’s hospital directory lists no acute-care hospital in Miami Gardens itself; these are the ones it lists in Miami-Dade County:

• Baptist Hospital of Miami
• Coral Gables Hospital
• Doctors Hospital
• HCA Florida Aventura Hospital
• HCA Florida Kendall Hospital
• Hialeah Hospital
• Homestead Hospital
• Jackson Health System
• Keralty Hospital
• Larkin Community Hospital
• Larkin Community Hospital Palm Springs Campus
• Mount Sinai Medical Center of Florida

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. Medicare lists 17 in total; this shows 12.

Urgent Care

• CareSpot Urgent Care
• FastTrack Urgent Care
• GoHealth Urgent Care

ACA Subsidies in Miami Gardens

Residents earning 100%–400% FPL qualify for premium tax credits. Contact a broker to review eligibility.

Miami Gardens Health Insurance Market Profile

• Population: 113K
• County: Miami-Dade County
• Median Household Income: $48,000 (~307% of the 2026 FPL)
• Marketplace: healthcare.gov