15.3% of under-65 residents in Miami-Dade County were uninsured in 2024 — about 350,469 people — which is modestly above the Florida average of 13.7% and makes it the 19th highest of the 67 counties in Florida. Close enough to the state figure that the county is not an outlier; far enough that coverage gaps here are a real feature rather than a rounding artifact.
Miami-Dade County against Florida, and against the counties we cover
| Miami-Dade County | Florida | Covered counties | |
|---|---|---|---|
| Uninsured, under 65 | 15.3% | 13.7% | 13.0% |
| Marketplace enrollees per 1,000 | 450 | — | 127 |
| Insurers selling here | 12 | 7 (median) | 5 |
| Individual plans offered | 189 | — | 84 |
State uninsured rate from the Census SAHIE series; the final column is the median across the 104 counties covered on this site. Enrollment density is CMS plan selections per 1,000 under-65 residents.
What you can actually buy here
12 insurers sell into Miami-Dade County — among the most competitive individual markets in the country. That much competition holds premiums down, and it produces a plan list long enough that choosing at random is a genuine risk. Narrowing by hospital system first is the only reliable way through it. Between them they offer 189 plans, about 16 for each insurer. A list that long is not more choice in any useful sense — it is the same handful of networks sliced into metal levels and deductible variants. The count is unchanged from last year, so the networks you compared previously still stand.
1,031,630 people in Miami-Dade County bought their own coverage for 2026 — 450 for every thousand under-65 residents. That is heavy reliance on the individual market by any standard, and it usually reflects an economy built on small employers, seasonal work or self-employment rather than large firms with benefits departments. Only 139,849 were new consumers against 891,781 renewals — a 14% new share. A settled, returning population like that means the plans on offer have been chosen by the same people repeatedly, which is a reasonable signal that the networks hold up.
Nearest counties on coverage
The counties we cover in Florida whose uninsured rate sits closest to Miami-Dade County. Worth a look if you are comparing across a county line or moving.
| County | Uninsured | Insurers | Enrollees |
|---|---|---|---|
| Marion County | 15.2% | 8 | 61,819 |
| Manatee County | 15.1% | 6 | 64,245 |
| Bay County | 14.7% | 4 | 31,347 |
| Collier County | 16.4% | 7 | 70,631 |
| Palm Beach County | 16.5% | 12 | 332,402 |
| Osceola County | 14.1% | 11 | 151,333 |
Everything that applies in Florida · How COBRA works · Work out your COBRA premium · After a job ends
Common questions
How many people are uninsured in Miami-Dade County?
About 350,469 people under 65, out of 2,290,660 in that age group — 15.3%, the 19th highest of the 67 counties in Florida. The Florida average is 13.7%. Census Bureau estimates for 2024, the most recent published.
How many health insurers sell in Miami-Dade County?
12 insurers offer individual marketplace plans in Miami-Dade County for 2026, unchanged from the year before, and between them they sell 189 individual medical plans. The median across the counties covered on this site is 5 insurers and 84 plans.
How many people in Miami-Dade County buy marketplace coverage?
1,031,630 plan selections for 2026 — 139,849 new consumers and 891,781 renewals. That works out at 450 per thousand under-65 residents, against a median of 127 across the counties covered here. New consumers are the group most likely to have lost a job during the year.
Talk it through with a licensed agent
Which option is right depends on your state, your income and which doctors you need to keep. A licensed agent can walk through it with you in about eight minutes.
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Sources
- U.S. Census Bureau, Small Area Health Insurance Estimates, 2024 (released August 2026)
- Centers for Medicare & Medicaid Services, 2026 Marketplace Open Enrollment County-Level Public Use File
- Centers for Medicare & Medicaid Services, 2026 Service Area Public Use File
- Centers for Medicare & Medicaid Services, 2026 Plan Attributes Public Use File
- U.S. Department of Labor, FAQs on COBRA Continuation Health Coverage for Workers