Miami-Dade County has the highest small group health insurance costs in Florida. In 2026, Bronze HMO plans range from approximately $430–$560 per employee per month, Silver HMO from $510–$650, and Gold HMO from $615–$785. Miami-Dade's costs are 15–30% above the Florida average, reflecting the county's higher healthcare utilization, provider costs, and administrative complexity. With six or more carriers competing in the market, broker comparison shopping is more valuable in Miami-Dade than anywhere else in Florida.
| Plan Tier | Total Monthly Premium | Employer Cost (70%) | Employee Cost (30%) |
|---|---|---|---|
| Bronze HMO | $430–$560 | $301–$392 | $129–$168 |
| Silver HMO | $510–$650 | $357–$455 | $153–$195 |
| Gold HMO | $615–$785 | $431–$550 | $185–$236 |
| Bronze PPO | $510–$640 | $357–$448 | $153–$192 |
Shopping group health for your team
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $8,568–$10,920/year |
| 5 employees | $21,420–$27,300/year |
| 10 employees | $42,840–$54,600/year |
| 20 employees | $85,680–$109,200/year |
Compare all Miami-Dade carriers — see which offers the best value for your business.
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