Florida · 56 ZIPs covered

Miami health insurance plan directory

Use this metro snapshot to evaluate plan premiums, issuers, and benefits in Miami with current marketplace context. Miami metro area · population 1,869,326 across 56 ZIP codes.

Estimated population 1,869,326 across 56 ZIP codes.

Plans tracked

614

Median premium

$305

ZIP coverage

56

Directory data source

We refresh these plan insights whenever CMS rate filings change for 2026, so the premium ranges shown here mirror current marketplace health insurance pricing.

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Compare 2026 ACA plans for ZIP 33186

Head over to the HealthPorta plan finder to see live premiums, issuer coverage, formulary summaries, CSR variations, and every available filter (price, metal level, plan type, issuer, dental/vision, on/off exchange, HSA, catastrophic, deductible/MOOP sliders, and keyword search).

Every ZIP in this city links straight to the detailed plan search so you can refine results with the full toolkit.

Compare plans for ZIP 33186

Plan finder tips

  • Select metal level, plan type, CSR variation, issuer, and market (on/off exchange) directly on the search page.
  • Toggle adult/child dental & vision, HSA-only, and catastrophic filters, then fine-tune price, deductible, and MOOP sliders.
  • Use the keyword box for plan IDs or marketing names—the search will redirect to a canonical slug you can bookmark or share.

Hand-picked plan shortcuts

Jump into curated ACA plan searches for Miami

These quick links load popular plan combinations for Miami so you can skip the form and start comparing Bronze budgets, Silver dental plans, or telehealth-friendly options immediately.

Bronze · under $306

Affordable Bronze ACA plans in Miami

Filter Bronze-tier ACA premiums in Miami below $306 for coverage year 2026.
Silver + Dental

Silver plans with adult dental in Miami

See Silver ACA health insurance plans that include adult dental benefits for households in Miami.
HSA · HMO

HSA-friendly HMO options in Miami

Limit results to HSA-eligible HMO plans so you can pair tax-advantaged savings with 2026 premiums.
PPO · $456+

PPO plans with higher coverage limits

Scan PPO marketplace plans in Miami with premiums starting near $456 to maximize provider choice.
Telehealth supported

Telehealth-ready plans for Miami

Focus on marketplace plans that list telehealth or virtual visits so you can access care remotely in Miami.

Marketplace plans in Miami

Showing 325–336 of 614 ACA plans for ZIP 33186. Select a card to open the full health plan page or jump into the search experience.

Open full plan search

Marketplace plan

Gold 5582

Issuer unavailable · Plan ID 36194FL0490004 · Network type unknown

Telehealth — HSA — Dental — Vision —
Jump to: Overview Doctors Drug coverage Benefits

Premium estimate unavailable

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Marketplace plan

Gold HSA 5586

Issuer unavailable · Plan ID 36194FL0490005 · Network type unknown

Telehealth — HSA — Dental — Vision —
Jump to: Overview Doctors Drug coverage Benefits

Premium estimate unavailable

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Silver

Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)

Health First Commercial Plans, Inc. · Plan ID 36194FL0500001 · HMO

HMO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental Child Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$343 – $1346

Sample monthly premium

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Gold

Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)

Health First Commercial Plans, Inc. · Plan ID 36194FL0500002 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA — Dental Child Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$326 – $1280

Sample monthly premium

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Low

EssentialSmile Ped 221

Solstice Benefits · Plan ID 43274FL0010001 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$38

Sample monthly premium

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Low

Smile Now Florida - No Waiting Period PPO

Solstice Benefits · Plan ID 43274FL0010002 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$36 – $38

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Low

EssentialSmile Florida - Total Care

Solstice Benefits · Plan ID 43274FL0030002 · EPO

EPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$8 – $12

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Expanded Bronze

Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard

Wellpoint · Plan ID 44228FL0040001 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$309 – $1624

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Silver

Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard

Wellpoint · Plan ID 44228FL0040002 · HMO

HMO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$400 – $2100

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Gold

Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard

Wellpoint · Plan ID 44228FL0040003 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$437 – $2295

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Catastrophic

Wellpoint Essential Catastrophic (+ Incentives)

Wellpoint · Plan ID 44228FL0040004 · HMO

HMO CSR Standard Catastrophic On Exchange Plan Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$285 – $1495

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Expanded Bronze

Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)

Wellpoint · Plan ID 44228FL0040005 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$302 – $1586

Sample monthly premium

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