Coral Gables City Hall in Coral Gables, Florida

Coral Gables · Miami-Dade County

Coral Gables health insurance broker. Help southwest of downtown Miami.

Free, licensed help for people in Coral Gables and Miami-Dade County. Own a small business, run a small office, or buy your own plan? We check your tax credit, your doctors, and the full-year cost.

Private & Secure
Fast Response
No Spam Calls

Photo: "Coral Gables FL city hall01" by Ebyabe, via Wikimedia Commons, licensed under CC BY-SA 3.0. Cropped, resized, and converted to WebP. This edited version is also licensed under CC BY-SA 3.0.

Common questions

Run a small business?
Start with your choices.

In 2026, 97 in 100 Miami-Dade County Marketplace shoppers got a tax credit. Here are three common questions for people who live or work in Coral Gables.

“I run a small office. Do we need a group plan?”

Not always. A group plan is one choice. Some small employers help workers pay for their own plans instead. Each path has its own rules and costs. We walk you through both before you decide.

“I own the business. Can I get a tax credit for my own plan?”

Maybe. If you buy your own Marketplace plan and you are not offered other affordable coverage, your tax credit depends on your household income for the year you are covered. For many owners, that is mostly the profit from the business. We help you estimate it.

“Is my hospital in the plan?”

In 2026, 138 of Miami-Dade County's 189 Marketplace plans were HMOs. An HMO usually pays only for doctors and hospitals in its network, except in an emergency.

Miami-Dade County by the numbers

How Miami-Dade County
shops for coverage.

Here is what the latest numbers show for Coral Gables and Miami-Dade County.

1,031,630

people in Miami-Dade County picked a 2026 Marketplace plan during open enrollment.

97 in 100

of those Miami-Dade County shoppers got a tax credit in 2026.

189 plans

from 9 insurance companies were on Miami-Dade County's 2026 list.

12,729

people in ZIP codes mostly inside Coral Gables picked a 2026 Marketplace plan.

+0.7%

Coral Gables' growth from 2020 to 2025, to more than 49,500 people.

About 15 in 100

people under 65 in Miami-Dade County had no health insurance in 2024. The Florida rate was about 14 in 100.

Sources: CMS 2026 Open Enrollment data (county and ZIP code files) and 2026 plan data, and U.S. Census Bureau (2025 population estimates, 2020 ZIP code maps, and 2024 health insurance estimates). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

A licensed advisor
for Coral Gables.

Daniels Health Advisors is an independent brokerage, so we are not tied to one insurance company. With 9 companies selling plans here in 2026, there is a lot to sort. We pull up the Miami-Dade County plans you can buy. Then we check your doctors, the hospital you would use, and the total cost for the year.

Clear answers, no pressure
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

How it works

Three steps to compare.

Share a few details

Tell us who needs coverage, everyone's age, and your home ZIP code in Coral Gables or Miami-Dade County.

Estimate your income

We add up the income you expect next year. If you own a business, use your profit after business costs. That number sets your tax credit.

Check your doctors, then choose

We look up your doctors, hospital, and medicines in each plan. Then you make the choice.

Book a 15-minute call

Free · No obligation · About a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

Clear choices
for you and your team.

If you pick a path for your business without seeing the others, it may not fit your team or your budget. Skipping the network check can also leave you with a surprise bill. What you get from the call:

A side-by-side look at a group plan and other ways to help your workers
An income guess for your own plan, with business costs taken out
A yes or no for each of your doctors and your hospital, plan by plan
Sign-up done by December 15, 2026 (the deadline under current law), in time for a January 1, 2027, start once you pay the first premium

Hospitals near Coral Gables

Hospital networks change from one Miami-Dade County plan to the next. Search each plan's directory for the ones you use before you choose.

Baptist Health Doctors HospitalCoral Gables
Coral Gables HospitalCoral Gables

This is not a list of in-network hospitals for any plan. Networks can change each year.

Straight answers

Coral Gables health insurance questions.

Which companies offered Marketplace plans in Miami-Dade County for 2026?

Miami-Dade County plans for 2026 came from 9 companies: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue, Molina Healthcare, Oscar, UnitedHealthcare, and Wellpoint. The 2027 list should be posted around November 1, 2026, when open enrollment starts.

Can a business with just a few workers offer health insurance?

Often, yes. A small group plan is one way. Some small employers instead help workers pay for their own plans. Each choice has rules about who can join and how much the business pays. Our small group page explains the choices.

I own the business. What income goes on my own application?

Use your household income for the year you are covered. For most owners, that includes the profit from the business after business costs. Add other household income too. If it ends up higher or lower than you thought, update your application as soon as you can.

Is Baptist Health Doctors Hospital in every plan?

Don't assume it is. Each plan picks its own hospitals and doctors, and most Miami-Dade County plans are HMOs. Look up the hospital in each plan's directory before you enroll.

Can I get a PPO in Miami-Dade County?

Some. Of Miami-Dade County's 189 Marketplace plans for 2026, 14 were PPOs. Another 27 were EPOs and 10 were POS plans. Each type has its own rules for doctors outside the network. If your tax credit is small or zero, a private PPO plan may be another option to look at. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

When is open enrollment for 2027 coverage?

As of October 9, 2026, under current law, you can sign up from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15. Outside those dates, you usually need a life event, such as a move or losing other coverage. Our Florida open enrollment guide has the details.

Open enrollment starts November 1

Comparing plans in Coral Gables or Miami-Dade County?

Set up a free 15-minute call, or start a quote online. No pressure, and no obligation to enroll.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 8, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, FLOIR, or a carrier. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. Official: HealthCare.gov. Verify licensing via NPN. Coral Gables / Miami-Dade County / South Florida.

Coral Gables health insurance broker. Help southwest of downtown Miami.

Run a small business?Start with your choices.

How Miami-Dade Countyshops for coverage.

A licensed advisorfor Coral Gables.