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Miami Health Insurance

As one of the country’s fastest-growing cities, Miami has a booming economy and an evolving health insurance marketplace. With thousands of people moving in each year, prices are increasing as insurers offer coverage to a larger population.

But does this mean affordable health insurance in Miami is out of reach? No! With Live Health Insurance, you can work with a skilled broker who knows how to find the best plans in the Marketplace and connect you with private insurers who can give you the right coverage at a great price.

Why Health Insurance Is Essential for Miami Residents

Miami has a thriving, diverse community ranging from young, single professionals to families and retirees. The active, outdoor lifestyle and hurricane-prone climate can increase the risk of personal injury, so having the right coverage is crucial to financial stability.

One accident without coverage can cost you six figures in medical debt. Having a good policy not only gives you peace of mind but helps you take greater care of yourself thanks to inclusive and free preventative services.

Get Your Quote In Minutes


    Select policy type

    For a tailored coverage plan please fill out all sections of this form.
    By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

      Select policy type
      By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Select one or more from coverage
        By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Benefits of Choosing Live Health Insurance in Miami

        Our expert team of brokers are locals themselves. They understand the importance of balancing the cost of coverage with the risks unique to Florida living. With a network of private, Florida-based insurance partners, as well as major corporations, we can help you find the perfect policy for your needs.

         Here are some of the reasons clients love working with us:

        • Personalized Coverage: Policies customized for Miami’s unique healthcare needs with the help of knowledgeable brokers.
        • Local Expertise: Dedicated brokers with in-depth knowledge of Miami’s healthcare system and Florida health insurance requirements.
        • Bilingual Services: Support in English and Spanish for Miami’s diverse, multicultural community.
        • Affordable Rates: Competitive pricing on all types of policies to suit every budget.

        Your Health, Your Choice: Our Insurance Plans

        Better Rates

        At Live Health, everyone should be covered by health insurance at a rate they can afford without compromising their lifestyle too much. You shouldn’t have to struggle to pay your premiums, and we can help you find a plan that covers all the essentials at a price you can afford.

        Better People

        Live Health doesn’t rely on automated help lines or canned responses. We’ve processed 70,000 policies since 2007, and our reputation is built on the fact that our brokers are always available to answer your questions and be transparent about the plan you’re signing up for.

        Better Coverage

        Don’t skimp on the essentials. You might think that you don’t need add-ons like dental or vision insurance, but a little extra money upfront can save you a lot of expenses down the line. Let us help you find a plan that covers all your needs!

        Get a Quote

        Types of Health Insurance Offered by Live Health Insurance

        We help families and individuals throughout Florida find the perfect plans for their needs. Over 1,500 happy clients work with us every day; thanks to our inside knowledge and expertise, we can help you explore all your options on the Marketplace to get the best deal.

        Individual and Family Health Insurance in Miami

        Whether you want a policy just for yourself or for your spouse and children, we can help you find the ideal policy. Choose from open or closed networks to access the care you need. If you’re buying a family plan, we can help you understand how coverage works for each member and what you’ll have to pay out-of-pocket to ensure every member of your household is protected.

        We can also help you explore lesser known types of coverage, such as hospital indemnity insurance, doctor insurance, and critical illness insurance.

        Short-Term Health Insurance in Miami

        Living without coverage is stressful, so if you’re between insurance policies or jobs, you may want to purchase a temporary health insurance policy. These policies have low, budget-friendly monthly premiums and last for up to four months.

        Medicare Advantage Plans in Miami

        Seniors have far more options than they may realize thanks to Medicare Advantage. This private form of Medicare allows residents to purchase their own coverage, gain greater control over their network of providers, and add on benefits like vision, dental, and prescription drug coverage for a minimal price.

        Small Business Health Insurance in Miami

        Maintain a strong workforce and company culture with a tailored healthcare solution. We’ll help you find the best coverage options for your employees based on age, medical history, and income level. Businesses with 50 or more full-time equivalent (FTE) employees in Miami have to provide health insurance, but there are so many options to choose from. Let us help you find the perfect plan that doesn’t drive your operating budget through the roof.

        Vision Insurance

        Health insurance is widely recognized as indispensable. However, a considerable number of people still need to decide about enrolling in vision insurance plans.
        Learn More

        Life Insurance

        Sometimes, life insurance can feel like the unsung hero of the insurance world. We all understand the need for health and auto insurance, but life insurance? That’s often seen as a nice-to-have.
        Learn More

        Health Insurance

        Stay protected with our health insurance plans, offering extensive coverage that ensures your health and well-being are never compromised.
        Learn More
        Beach

        Life Insurance

        Life insurance isn’t a one-size-fits-all kind of deal. There are different packages tailored for different needs, the two big players being Term Life Insurance and Whole Life Insurance.

        Learn More
        A little girl missing one tooth

        Dental Plans

        Be protected from unwanted (and pricey) surprises at your next visit to the dentist with comprehensive dental plans covering essential procedures and preventative care.
        Learn More

        Vision Plans

        Eye health is often neglected when signing up for insurance, and our vision care plans guarantee that your ocular health and vision treatment are covered.
        Learn More

        How to Find the Best Health Insurance in Miami With Live Health Insurance

        You can get the best rates on affordable health coverage by working with one of our brokers.

        • Request personalized quotes. One of our brokers will use some personal details you provide to customize policy recommendations.
        • Compare plans and costs. You can save money by understanding how each plan works, comparing deductibles and premiums, and exploring the limits of coverage from each provider.
        • Look for bundling options. You may be able to get more for your money by purchasing health, dental, and/or vision coverage from the same provider.
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        Mask Group 10@2x

        Meet Our Miami Health Insurance Brokers

        With over 100 years of experience between them, our Live Health Insurance Brokers have been a trusted name in the industry since 2007, with an impeccable reputation that makes them a name you can trust.

        Get Your Quote In Minutes


          Select policy type

          For a tailored coverage plan please fill out all sections of this form.
          By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

            Select policy type
            By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

              Select one or more from coverage
              By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

              Customer Testimonials

              • 5/5
                "I am incredibly grateful for the services provided by Brandon in finding health coverage. He went above and beyond to understand my specific needs and concerns, and his expertise helped me find the perfect health insurance plan. His dedication and personalized approach truly made a difference in my life."
                Brandon Martinez
                Agent
              • 5/5
                “Dylan was a pleasure to work with. He answered all my questions and found us a great insurance policy, saving us lots of money each month. You can tell he cares about his clients. I am very glad I found him to help us.”
                Dylan Brockman
                Agent
              • 5/5
                "Jesus was very knowledgeable and helpful when it came to the different options I had. He made the process easy and simple to understand"
                Jesus Burga
                Agent
              • 5/5
                "Working with Leo was a game-changer. he found a perfect plan, explained it all, and now I feel confident in my coverage. Best agent out there!" - Karen Lemus
                Leonardo Castillo
                Agent
              • 5/5
                "Patrick's expertise and personalized approach made finding a private health insurance plan for my family seamless and stress-free. I highly recommend his reliable and efficient assistance in securing private health insurance."
                Patrick McCann
                Agent
              • 5/5
                "It was a pleasure working with Ryan Faulkner, he is extremely knowledgeable and the consummate professional."
                Ryan Faulkner
                Agent

              Miami Insurance Facts

              Miami is the second largest city in Florida, and a top destination for tourism thanks to the amazing weather, food and nightlife.

              Recent numbers put the population of Miami at close to 450,000 residents, with a large Hispanic and Latino demographic (70% of the population).

              According to census data, 20.9% of the population of Miami lives under the Federal Poverty Level.

              Given the relatively high poverty level, Census figures state that 13.5% of the population is currently without health insurance coverage of any kind.

              Cost of Health Insurance in Miami

              Miami’s cost of living is 20% higher than the state’s average, which means finding affordable coverage options is essential to financial stability. Florida has a higher cost of health insurance than the national average with a typical individual premium costing $515 per month compared to $497 in the rest of the U.S, based on data from KFF.

              Factors that affect your health insurance premium include:

              • Age
              • Location
              • Plan Type
              • Medical Needs
              • Coverage Level

              You cannot be discriminated against due to your gender, medical history, or current health status. However, if you require more intensive coverage than the average person, you will have to pay a higher price to secure it.

              Working with one of our brokers can help you find affordable health insurance in Miami that fits into your budget.

              We have some options for your needs

              Bronze

              If you sign up for a bronze plan, you’ll have low monthly premiums, but the caveat is that your out-of-pocket expenses will be higher. However, if you’re an individual with good health and only occasionally need to visit the doctor, this might be a great plan for you.

              Gold

              Gold plans have a high premium but low out-of-pocket expenses. This is a valuable plan for someone with a chronic condition or dependents who require a significant amount of medical care.

              Silver

              Silver plans have higher premiums but qualify for Cost Sharing plans that leave you well-covered in case of a medical emergency, giving you peace of mind.


              Platinum

              While the premiums for this plan are high, if you have serious health concerns, this is an excellent plan to sign up for, as your out-of-pocket costs will be minimal.

              How to Apply for Health Insurance in Miami With Live Health Insurance

              We make the enrollment process as simple as three steps:

              1. Gather documentation such as proof of residence, employment, and health history to provide to the insurance company.
              2. Consult with a local Live Health Insurance broker for personalized guidance.
              3. Complete the application process with support from the broker.
               

              Frequently Asked Questions About Live Health Insurance 

              What types of health insurance plans are available in Miami?

              Live Health Insurance helps people find the best  coverage for their needs, including Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). Brokers can custom-match you to different policy types depending on what you can afford.

              Can I get coverage for pre-existing conditions with Live Health Insurance?

              Yes, under the Affordable Care Act, no health insurance provider can discriminate against someone due to their medical needs.

              Are there bilingual services for Miami’s Spanish-speaking community?

              Yes, we offer Spanish service to help residents explore all of their health insurance options in their preferred language.

              Does Live Health Insurance offer hurricane-related medical coverage?

              There are no hurricane-specific medical coverages as injuries resulting from a hurricane are generally covered under regular health insurance. Your broker can help you explore add-ons called riders to enhance coverage if you have concerns about limits or exceptions.

              Why Live Health Insurance is the Best Choice for Miami Residents

              Live Health Insurance puts you first. We offer personalized recommendations to ensure you find a policy that is more than just affordable. With our team of experts at your side, you can feel confident as you navigate the healthcare marketplace at any stage of life.

              Get Your Quote In Minutes


                Select policy type

                For a tailored coverage plan please fill out all sections of this form.
                By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

                  Select policy type
                  By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

                    Select one or more from coverage
                    By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.
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