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Best Health Insurance Agencies in Miami, FL

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Miami Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

279 Northwest 58th Street, Miami, FL 33127
WebsiteLicense: L111994 Rating

Review Sources

5.0 (28)

Why choose this provider?

Emergent Insurance Agency is an independent health insurance brokerage that serves residents and businesses in Miami. It offers a range of risk management solutions, including Medicare Supplement plans, Obamacare, Medicare Advantage, and short-term medical care. Additionally, Emergent Insurance Agency provides coverage for dental, vision, accidents, and critical illnesses. Its founder and CEO, Darline Candio, has an MBA and a Master's degree in Epidemiology. She is also a member of America's Health Insurance Plans and the National Association of Health Underwriters.

  • Individual Plans
  • Group Plans

8343 Biscayne Boulevard, Miami, FL 33138
WebsiteLicense: L103620 Rating

Review Sources

5.0 (6)

Why choose this provider?

HealthNest Insurance Services is an insurance agency that provides Medicare plans to individuals in Miami. The company has extensive knowledge of Medicare that they have acquired over the years and is dedicated to educating potential and current customers about the industry. The firm aims to make decision-making easy while keeping clients well-informed. The company is also open to answering questions and creating personalized programs. HealthNest Insurance Services represents its buyers and ensures that they receive a suitable plan.

  • Individual Plans
  • Market Place

80 Southwest 8th Street, Miami, FL 33130
WebsiteLicense: L016811 Rating

Review Sources

5.0 (13)
4.0 (4)
5.0 (1)

Why choose this provider?

Docktor's Insurance is an independent insurance agency that provides life and health insurance policies for clients in Miami. It compares quotes from over 50 different insurance carriers regarding individual, family, and group-based health plans. The agency can customize plans to cover short-term medical concerns, dental health, and international travel. It also explains the benefits of short-term medical policies, from optional preventative care to 12-month maximum coverages. Docktor's Insurance uses web conference tools to meet with clients, answer their concerns, and explain policy details.

  • Individual Plans
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Emergent Insurance Agency
279 Northwest 58th Street, Miami, FL 33127
HealthNest Insurance Services
8343 Biscayne Boulevard, Miami, FL 33138
Docktor's Insurance
80 Southwest 8th Street, Miami, FL 33130


  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Do health insurance policies in Miami cover medications?

    Health insurance providers in Miami generally provide coverage for medication. Before buying a plan, it is best to countercheck the benefits package to see if the particular prescription drugs you need are covered. Also, check if the plan pays for brand-name drugs or generics only. Most have a deductible, so consider this in your calculations to see if the coverage is financially sound.

  • Can you still get health insurance in Miami if you have pre-existing conditions?

    The Affordable Care Act prohibits health insurance companies from refusing insurance due to pre-existing conditions. The Act also bars insurers from charging a higher premium because of a pre-existing condition. In terms of coverage, the Act requires Miami insurers to provide a minimum level of coverage or essential health benefits, regardless if you have a pre-existing condition.

  • How do private health insurance plans differ from plans obtained through the Health Insurance Marketplace in Miami?

    In terms of cost, Marketplace plans generally cost less as policyholders get cost-sharing subsidies and tax credits. Private health insurance offers more customization options to fit different budgets and coverage requirements. Another thing to consider is the healthcare provider network. Marketplace insurers may offer a wider provider network versus private insurers in Miami. Check if your preferred physicians or hospitals are in the insurer's network.

  • Where can you file a complaint regarding your health insurance in Miami?

    If you have an individual health insurance policy, you can file an online complaint with the Florida Department of Financial Services or call 1-877-693-5236. Before submitting a complaint with the DFS, discuss your concern with the insurer’s Miami representative and give them a chance to address it. For Medicare plan complaints, call the company at 1-800-633-4227. For Medicaid complaints, call 1-877-254-1055 to submit your complaint to the Agency for Health Care Administration.

  • Do short-term health insurance plans in Miami provide vision and dental care coverage?

    A short-term health insurance plan is intended for unexpected healthcare needs, such as injury treatment, and will not cover long-term healthcare needs like vision and dental care. Short-term health insurance plans are ideal for Miami residents below 65 years old who need coverage for a limited time only, such as seasonal employees, those in between jobs, and new college graduates waiting for a job. On average, these plans cost $240.79 monthly.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.