ACA marketplace
$0 Gold ACA plans in Miami-Dade County.
Serving Miami, Hialeah, Coral Gables
39 days left to enroll for January 1, 2027 coverage.
Enroll by Dec 15 for Jan 1 coverage, or by Jan 15 for Feb 1 coverage.
Miami-Dade is one of Florida's richest ACA markets. Subsidy-eligible residents in Miami, Hialeah, Coral Gables, Doral, and the rest of the county may qualify for Oscar Health's $0 Gold Classic plan — Gold-tier benefits (lower deductibles, lower copays) at zero monthly premium. Our bilingual team specializes in Spanish-language enrollment, including Marcia, our Spanish-only specialist.
Estimate your ACA subsidy
Enter your household size, projected income, and the ages of everyone who needs coverage. We'll estimate the monthly premium tax credit (APTC) you may qualify for.
Why Miami-Dade County is an ACA opportunity
Oscar Health offers both $0 Gold Classic and $0 Bronze Classic plans in Miami-Dade County (Oscar market code FL43) to subsidy-eligible residents. For 2027 plan year the original ACA subsidy rules apply — lower-income households (typically below ~300% FPL) see the largest premium tax credits, and may qualify for a $0 plan after subsidy. Use the calculator above to check your estimated eligibility.
Full carrier lineup in Miami-Dade County
See /florida-aca for every ACA Marketplace carrier we represent in Florida, plus the licensed El-Mag agents who serve Florida residents.
Ready to enroll in Miami-Dade County?
Talk to a licensed El-Mag agent — bilingual (English/Spanish) support available.