Health Insurance Broker in Miami Gardens, FL
Miami Gardens residents can buy Obamacare (ACA) Marketplace plans from November 1, 2026 to January 15, 2027 from eight Miami-Dade insurers; children may qualify for Florida KidCare at any time of year. YesOuiCare's licensed broker, Charlyne Rasolo, compares plans, checks Jackson North and your doctors, and helps you apply for savings for free.
- Licensed in Florida and 11 other states (license G066759)
- Free quote and free help comparing plans and enrolling
- Miami-based, bilingual French and English
What does care cost near Miami Gardens?
Pick a procedure and a ZIP code. The tool shows the typical price, what you would pay with insurance before your deductible, and real cash prices found nearby, each with its source.
Local care near you
- Hospitals: Jackson North Medical Center in North Miami Beach is the closest public hospital, open 24 hours. Memorial Hospital Miramar is just north across the Broward line.
- Urgent care: UHealth Jackson Urgent Care North Dade is on NW 25th Avenue in Miami Gardens and lists self-pay prices on its pricing page. Check hours before you go.
- Community health centers: The Center for Family and Child Enrichment on NW 167th Street and Jessie Trice Community Health System's Barbara J. Jordan Health & Wellness Center on NW 27th Avenue offer care on a sliding fee scale. Jackson also has a North Dade Health Center.
- Free enrollment help: Covering Florida (877-813-9115), Catalyst Miami, HealthCare.gov Local Help.
Which insurers sell 2027 Obamacare plans in Miami Gardens?
Miami Gardens is in Miami-Dade County, where eight companies sell Marketplace (Obamacare) plans for 2027, according to the Florida Office of Insurance Regulation's county table. On HealthCare.gov you will see them as Florida Blue, Florida Blue HMO, Oscar, UnitedHealthcare, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next. Almost all of these plans are HMOs, which means you stay in the plan's network and often pick a primary doctor. The exception is Florida Blue's non-HMO plans, sold as EPOs, which cost more on average (state rate table).
What does that cost? Florida's own example for 2027 is a single 28-year-old earning $36,000: the average silver plan in Miami-Dade is about $776 a month before help, and after the average tax credit that person pays about $381 (state example). Your price depends on your age, ZIP code, income and plan level, so use the price tool above or ask for a quote. More detail: which insurers sell Marketplace plans in Miami-Dade for 2027.
Working families: who gets what
Miami Gardens is a city of working families, many with one parent in a job without health benefits, at the airport, in retail, in schools or in construction. The best answer is often a split. Florida does not cover most working-age adults through Medicaid, so adults usually look at a Marketplace plan, while children can often get Medicaid or Florida KidCare, which you can apply for at any time of year (Florida KidCare).
Income decides the adult side. In 2027, tax credits start at 100% of the federal poverty level, about $15,960 a year for one person or $33,000 for a family of four, and stop above 400% (HHS poverty guidelines). Adults below 100% usually do not get tax credits in Florida and may end up with no affordable option, so Charlyne checks every income source first, including side jobs. See Obamacare income limits in Florida for 2027.
If your job offers insurance, the cost of covering your whole family decides whether your spouse and children can get Marketplace help, so bring the employer's price sheet to the call.
How it works
Tell us what you need
A two-minute form: who needs coverage, your ZIP code and your budget.
Charlyne compares plans
She compares the plans sold where you live and explains the real cost, not just the premium.
You choose and enroll
She helps you enroll and stays available when a bill or a claim does not make sense.
Miami Gardens FAQ
Can my children get Florida KidCare while I buy Obamacare (ACA)?
Often yes. KidCare is based on family income and you can apply any time. We help you look at both together.
How much do I need to earn to get help with a Marketplace plan?
At least 100% of the federal poverty level, about $15,960 for one person or $33,000 for a family of four for 2027 coverage, and no more than 400%.
Is Jackson North in network for 2027?
It depends on the plan. Tell us your doctors and hospital and we list only plans that include them.
Where is urgent care in Miami Gardens?
UHealth Jackson Urgent Care North Dade on NW 25th Avenue. It also lists self-pay prices online.
When is the deadline for January 1 coverage?
December 15, 2026. Open Enrollment ends January 15, 2027.
Does your help cost anything?
No. Our help is free, and the plan price is the same as on your own.
Ready to compare plans in Miami Gardens?
A free quote from a licensed, bilingual broker. Or book a call and talk it through.