COBRA insurance alternatives - Douglas Insurance Group
🌊 Miami, FL · COBRA Help 2026

Lost Health Insurance in Miami?
Here's What to Do Next.

COBRA in Miami costs $870–$1,020/month for an individual. Most people can find ACA marketplace plans for far less — with zero paperwork hassle. Let's find your best option.

If you recently lost job-based health insurance in Miami, Miami-Dade County, you're probably staring at a COBRA election notice wondering if it's really worth paying hundreds of dollars more per month than your old paycheck deduction. The honest answer: for most people in Miami, it isn't.

This page breaks down your options specifically for Miami residents in 2026 — what COBRA actually costs here, what the ACA marketplace looks like in your area, and how to get expert help at no cost to you.

COBRA Costs in Miami, FL (2026 Estimates)

⚠️ COBRA Premium
$870–$1,020
per month (individual)
100% of full premium + 2% admin fee. No subsidies available.
✅ ACA Marketplace Est.
$145–$310
per month after subsidy
Silver plan with ACA tax credit applied. Subsidy varies by income.

The gap is real — and often shocking. Most Miami residents don't realize COBRA costs this much because their employer was quietly covering 70–80% of the premium while they worked. On COBRA, you pay it all.

ACA marketplace carriers available in Miami: Florida Blue, Molina, Oscar Health, Cigna. Not all carriers cover every ZIP code. An independent broker can quickly identify which plans cover your area and your preferred doctors.

Your 3 Options After Losing Coverage in Miami

1
Elect COBRA You have 60 days from receiving your election notice. Coverage is retroactive. Best if you're mid-treatment or actively using your current network. Costs $870–$1,020/month.
2
Switch to the ACA marketplace (HealthCare.gov) Losing employer coverage triggers a 60-day Special Enrollment Period. You can enroll in a new plan — often dramatically cheaper after subsidies. Available at any income level; subsidy amount depends on household income.
3
Work with a free independent broker An independent broker shops all options for you at no cost — comparing COBRA, marketplace plans, and any other options available in Miami. You get expert guidance without paying out of pocket.

Why Work With an Independent Broker in Miami?

The ACA marketplace has dozens of plan options in Miami — and the cheapest premium isn't always the best deal once you factor in deductibles, copays, and network coverage. An independent broker:

Get free COBRA help in Miami, FL

Caden Douglas (FL License #G056803) is a Tampa-based independent broker serving Miami and all of Florida. Book a free 30-minute consultation — we'll compare every plan available in your area and show you exactly what you'll pay.

📅 Book Free Consultation

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