Jade Benefits is a licensed Florida health insurance agency based in neighboring Fort Lauderdale, helping Miami-Dade small businesses, self-employed professionals, and families compare plans and enroll, at no cost to you. We work for you, not for a single insurance company, so you see how the carriers stack up side by side before you choose.
Miami-Dade is one of the most competitive health insurance markets in Florida, and the plans and networks available to you can differ by county and even by ZIP code. A national call center will not know which hospital systems your doctors belong to or which carriers are strongest for South Florida businesses. We do, and we are a phone call away when something needs fixing, not just at renewal time.
Miami-Dade has several major health systems, including Baptist Health South Florida, Jackson Health System, and UHealth, the University of Miami health system, along with many independent practices. Whether a given doctor or hospital is in network depends on the specific plan, not just the carrier, so we confirm your providers against every plan we recommend before you enroll.
Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027, and December 15 is the deadline for coverage that starts January 1. See our open enrollment guide for the full calendar, and use the free subsidy calculator to estimate your help with premiums. Florida has not expanded Medicaid, so subsidy eligibility and the 400% income limit matter more here than in many states.
We help clients across Miami-Dade County, including Miami, Miami Beach, Coral Gables, Hialeah, Doral, Kendall, Aventura, North Miami, Miami Gardens, Homestead, Cutler Bay, and Pinecrest. We are also available to clients in Broward and Palm Beach counties, and our carrier networks cover businesses with employees in more than one state.
How it works: a short call, a side by side comparison of A rated carriers, help enrolling, and ongoing support. All free, since we are paid by the carrier, not by you.
Get a Free QuoteNo. Jade Benefits is paid by the insurance carrier when you enroll, and your premium is the same whether you use a broker or enroll on your own. Our comparisons and ongoing support are free to you.
Yes. Freelancers, contractors, and solo business owners can enroll in ACA marketplace plans during open enrollment or after a qualifying life event, and many qualify for premium subsidies. We review every credit you may be eligible for.
Generally yes, if you have at least one W-2 employee besides the owner and spouse. Carriers also have participation and contribution requirements, which we walk you through before you apply.
November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1.
Yes. We work with clients throughout the county by phone, email, and video, and we can meet in person around South Florida when it helps.
Free, no obligation quote for your business, family, or self-employed coverage in Miami-Dade County.
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