Health Insurance in Miami, Florida

Health Insurance in Miami, FL — Find the Right Plan for Your Family

Miami-Dade County is one of the most vibrant, diverse, and fast-moving communities in the United States — but it is also one of the least insured. According to the US Census Bureau, 16.7% of adults under 65 in Miami-Dade County lack health insurance, a rate higher than both the Florida state average (13.9%) and the national average. For many Miami families — especially those who are self-employed, work in the service industry, or recently moved from abroad — finding the right coverage can feel overwhelming. That is exactly where Mercy Makarevich comes in.

As a licensed health insurance broker based in South Florida, Mercy specializes in helping Miami residents navigate the ACA Marketplace, Medicare, and life insurance options available in Miami-Dade County. Whether you live in Coral Gables, Hialeah, Doral, Kendall, or downtown Miami, Mercy works directly with you — in English or Spanish — to find a plan that fits your life and your budget.

ACA Marketplace Plans for Miami Residents

If you are self-employed, between jobs, or your employer does not offer coverage, the ACA Marketplace (also known as Obamacare) is one of the most powerful tools available to Miami-Dade residents. Depending on your household income, you may qualify for substantial subsidies that reduce your monthly premium — sometimes to as little as $0 per month. Mercy will help you calculate your subsidy eligibility, compare all available plans in Miami-Dade, and enroll during Open Enrollment (November 1 – January 15) or through a Special Enrollment Period if you have had a qualifying life event like losing job-based coverage, getting married, or having a child.

Medicare Coverage in Miami-Dade

Miami is home to a large and growing senior population. If you or a loved one is approaching 65 or already enrolled in Medicare, understanding your options in Miami-Dade is critical. From Original Medicare to Medicare Advantage plans available through Florida carriers, there is significant variation in what is covered and what you will pay out of pocket. Mercy will walk you through your choices and help you avoid costly enrollment mistakes, including late-enrollment penalties that many Miami residents unknowingly trigger.

Life Insurance in Miami

With a median household size of 2.8 people and a cost of living well above the national average, protecting your family with life insurance is essential — especially if you are the primary earner. Mercy offers term life and permanent life insurance options tailored to Miami families, including those with mortgage obligations, dependents, or business interests.

Bilingual Service for Miami's Diverse Community

Miami's population is approximately 70% Hispanic, and the need for bilingual insurance guidance has never been greater. Mercy conducts consultations in both English and Spanish, ensuring that no language barrier stands between you and the coverage your family deserves. From Little Havana to Aventura, Mercy serves all of Miami-Dade County.