Compare ACA marketplace and private plans across the Miami / South Florida metro — with a Florida-licensed agent who knows the local carrier networks.
Not a government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
If you live in the Miami / South Florida metro — covering Miami-Dade, Broward and Palm Beach counties — your health insurance options and pricing are shaped by the carriers and provider networks operating locally. Two plans with the same premium can have very different hospital and specialist networks, which is exactly where a good agent earns their keep.
South Florida's systems are not spread evenly across the three counties — Jackson Health is Miami-Dade's public system, while Memorial Healthcare is concentrated in south Broward. Florida also rates plans by county, so where you live inside the metro matters.
Florida uses the federal marketplace, HealthCare.gov. Florida has not expanded Medicaid, so the marketplace and its premium tax credits are the primary path to affordable coverage for most working-age Floridians — and the subsidies are more generous than many expect.
We're licensed in Florida and quote Miami residents every week. We'll compare marketplace plans (with any premium tax credit you qualify for) against private off-marketplace options, check that your doctors and preferred hospitals are in-network, and enroll you over the phone — at no cost.
These systems operate in the area. Which ones a given plan actually contracts with varies by carrier and by plan — we check your specific doctors and hospitals before you enroll.
These companies offer individual and family health plans in Miami. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Premiums in the Miami / South Florida metro depend on your age, household size and income, and the specific plan. Many residents are found eligible for a premium tax credit that lowers the marketplace price substantially, while households above the income range pay full price. A licensed agent will price your exact ZIP in Miami-Dade, Broward and Palm Beach counties in a few minutes.
Carriers active in the Miami area include Florida Blue (BCBS of Florida), Ambetter from Sunshine Health, UnitedHealthcare, Aetna CVS Health, Cigna and others, though the exact lineup and networks vary by county. We're an independent agency rather than a single carrier's captive shop, but we don't offer every plan sold here — tell a licensed agent which doctors you need and they'll tell you what we can quote.
The largest systems in the area include Baptist Health South Florida, Jackson Health System, Memorial Healthcare System, Cleveland Clinic Florida, UHealth – University of Miami Health System and Nicklaus Children's Health System. Whether a specific plan contracts with a specific system varies — the same carrier may include one system on its PPO and exclude it from its HMO — so we check your actual doctors and hospitals against the plan you're considering instead of assuming a network from the carrier's name.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.