Plans Available in North Miami Beach
Marketplace health insurance in North Miami Beach is offered by: Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina, Oscar Health. The leading carrier in the North Miami Beach area is Florida Blue. Available plans and exact premiums depend on your ZIP code, age, and household income.
Hospitals and Health Systems in North Miami Beach
- Aventura Hospital (HCA)
- Memorial Regional Hospital
Verify that your preferred hospital is in-network before selecting a plan. Use each carrier's online provider directory or call the plan's member services number.
ACA Subsidies and Medicaid
If your household income is between 100% and 400% of the Federal Poverty Level (approximately $15,650 to $62,600 per year for a single adult in 2026), you likely qualify for premium tax credits that reduce your monthly premium. Contact a broker to check Medicaid eligibility — coverage rules vary by household.
How to Enroll
Open Enrollment runs November 1 through January 15 each year. If you have a qualifying life event (job loss, move, marriage, new baby), you have a 60-day Special Enrollment Period. An independent, licensed broker can compare every plan available in your North Miami Beach ZIP code at no cost to you.
2026 Plan Data for Residents in North Miami Beach
Here is what is actually filed and for sale in Miami-Dade County for 2026.
- North Miami Beach 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 North Miami Beach residents: EPO, HMO, POS, PPO.
- One of the lower-cost Silver options is Silver Simple Breathe Easy with Enhanced COPD Benefits from Oscar Health Maintenance Organization of Florida — $691/month at age 40 with a $6,200 deductible and No Charge 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.