Miami-Dade County is Florida's most populous county and its most expensive small group health insurance market. The county encompasses Miami, Hialeah, Coral Gables, Doral, North Miami, and dozens of other municipalities — spanning international finance and trade, technology, hospitality and tourism, healthcare, construction, and a massive professional services sector. Florida Blue, Aetna, Oscar, UnitedHealthcare, Molina, and Ambetter all compete for Miami-Dade small group business, making carrier selection critical. Jackson Health System, Baptist Health South Florida, and UHealth (University of Miami) are the primary hospital systems.
| Plan Tier | Total Premium/Employee/Month | Employer Share (70%) |
|---|---|---|
| Bronze HMO | $430–$560 | $301–$392 |
| Silver HMO | $510–$650 | $357–$455 |
| Gold HMO | $615–$785 | $431–$550 |
| Bronze PPO | $510–$640 | $357–$448 |
Shopping group health for your team
With six or more carriers actively competing in Miami-Dade, broker comparison shopping is more valuable here than anywhere else in Florida. Florida Blue maintains the broadest hospital network. Oscar and Ambetter offer the lowest Bronze and Silver premiums. Molina and UnitedHealthcare add mid-market options. All major carriers offer Spanish-language member services — important for Miami-Dade's diverse workforce. Network verification priorities: Baptist Health South Florida (Baptist Hospital, South Miami Hospital, Doctors Hospital), Jackson Memorial, and UM/UHealth for employees seeking academic medical center access.
Compare all Miami-Dade small group carriers — bilingual support available, no cost, no obligation.
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