Health Insurance in North Miami, FL

Health Insurance in North Miami, FL

Compare Florida Blue, Ambetter from Sunshine Health, Aetna, Cigna, Molina, Oscar Health in North Miami. The dominant carrier is Florida Blue. North Miami is a diverse city with a large Haitian American and Caribbean community. Bilingual plan options are important in this market.

2026 Plan Data for Residents in North Miami

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

• North Miami 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 residents: EPO, HMO, POS, PPO.
• One of the lower-cost Silver options is myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company) — $682/month at age 40 with a $9,500 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.

Local Hospitals

Medicare’s hospital directory lists no acute-care hospital in North Miami 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 North Miami

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

North Miami Health Insurance Market Profile

• Population: 62K
• County: Miami-Dade County
• Median Household Income: $40,000 (~256% of the 2026 FPL)
• Marketplace: healthcare.gov