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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.

Don't assume it is. Each plan sets its own network, and most Miami-Dade County plans are HMOs. Search for the hospital in each plan's directory before you enroll. We can search with you.

A few. Of Miami-Dade County's 189 Marketplace plans for 2026, 14 were PPOs. Another 27 were EPOs and 10 were POS plans, and each type treats out-of-network doctors differently. 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.

Use your best honest guess for the whole year. If your income goes up or down during the year, update your application quickly. That helps keep your tax credit closer to right, so you are less likely to owe money at tax time.

As of October 3, 2026, Florida has not expanded Medicaid. Some adults with income below the poverty level do not qualify for Medicaid or for a tax credit. It is still worth applying, because children, pregnant women, and people with disabilities may qualify. Community health centers also charge based on what you can pay.

As of October 3, 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.