Open Enrollment 2027 in Hialeah
- Open Enrollment
- November 1, 2026 – January 15, 2027
- Coverage from January 1
- Enroll by December 15, 2026
- Where you enroll
- HealthCare.gov, Florida's Marketplace (CuidadoDeSalud.gov in Spanish)
- Financial help
- Generally for household income of 100%–400% of the poverty level: $15,960–$63,840 for 1 person, $33,000–$132,000 for a family of 4
- Leaving for 2027
- Cigna and Sunshine State Health Plan. Their members need to choose a new plan.
- Our office
- 460 E 23rd St #209, Hialeah, FL 33013. We help by phone and online; no walk-ins.
Why 2027 matters in Hialeah
About 231,000 people live in Hialeah (Census Bureau estimate for 2025). According to the U.S. Census Bureau:
- 95.1% of residents are Hispanic or Latino;
- 74.5% were born outside the United States;
- 92.6% speak a language other than English at home;
- 18.4% of residents under 65 have no health insurance.
That's why careful, bilingual help matters here, especially for 2027:
- New immigration rules. Starting January 1, 2027, ObamaCare tax credits are limited to citizens, green card holders, Cuban and Haitian entrants and COFA migrants. In a city where three in four residents were born abroad, many households need to check where they stand. See who qualifies in 2027.
- Insurers leaving. Cigna and Sunshine State Health Plan are leaving Florida's Marketplace for 2027. Their members should compare plans and choose one by December 15. What to do.
- No extra help above 400%. The larger tax credits of 2021–2025 have ended, so households above 400% of the poverty level pay full price. Estimating your income carefully matters more too: there's no cap on paying back extra credit at tax time. Try the 2027 calculator.
How we help Hialeah families
- Call us or request a quote online. We help by phone, in Spanish or English. You don't need to go to an office.
- We estimate your 2027 savings from your household size and expected income. You can try our 2027 ObamaCare calculator first.
- We compare the plans available in Miami-Dade: premiums, deductibles, and whether your doctors, hospitals and medicines are covered.
- Your consent first. Federal rules require your documented consent before we help with your Marketplace application. You review your application and choose your plan.
- Help after you enroll: your first payment, document requests from the Marketplace, changes during the year and next year's renewal.
Our help with Marketplace enrollment costs you nothing; insurers pay licensed agents a commission. Premiums are the same as enrolling on your own at HealthCare.gov.
We also help Hialeah families with auto insurance, homeowners, condo and renters insurance and life insurance.
Areas we serve
We're based in Hialeah and help families across Miami-Dade, Broward and Palm Beach: Hialeah (ZIP codes 33010, 33012, 33013, 33014, 33016 and 33018), Hialeah Gardens, Miami Lakes, Miami Springs, Medley, Doral, Miami, Miami Gardens, Opa-locka and more. Our Florida license lets us help you by phone anywhere in the state.
Questions from Hialeah families
Is there an ObamaCare office in Hialeah?
The Marketplace itself has no offices to visit: Florida uses HealthCare.gov, which works online and by phone at 1-800-318-2596. Arte Insurance is a private, licensed insurance agency based in Hialeah that helps you apply and enroll at no cost to you. We help by phone and online and don't take walk-ins. You can also find free help from Marketplace-trained assisters at HealthCare.gov/find-local-help.
Do Cuban entrants still qualify for ObamaCare tax credits in 2027?
Under the federal law in effect in October 2026, yes. Starting January 1, 2027, premium tax credits are limited to U.S. citizens and nationals, green card holders, Cuban and Haitian entrants, and COFA migrants. You still need to meet the other rules, such as household income between 100% and 400% of the federal poverty level and no affordable job-based coverage. Make sure your Marketplace application shows your current immigration documents.
I have TPS, or I'm a refugee or asylee. What changes in 2027?
You can still buy a Marketplace plan in 2027. But starting January 1, 2027, you generally can't get premium tax credits or lower copays unless you have a green card or belong to another eligible group, such as Cuban and Haitian entrants. We can compare the lowest-cost plans for you. For questions about your immigration case itself, talk to a qualified immigration attorney.
My income is very low. Can I get Medicaid in Hialeah?
Florida has not expanded Medicaid, so most adults under 65 without children or a disability don't qualify, even with very low income. Children, pregnant women, parents with very low income, seniors and people with disabilities may qualify through the Florida Department of Children and Families. If your household income is below 100% of the poverty level ($15,960 a year for one person, for 2027 coverage), you generally can't get ObamaCare tax credits either. Call us and we'll review your options.
My plan is with Cigna or Sunshine State Health Plan. What should I do?
Both are leaving Florida's Marketplace for 2027. You'll get a notice, and the Marketplace may move you to another plan that might not include your doctors. Compare plans and choose a new one by December 15 so your coverage continues on January 1.
Does it cost more to use an insurance agent?
No. Marketplace premiums are the same whether you enroll on your own or with a licensed agent. Insurers pay agents a commission, and we don't charge you for help with your Marketplace application.
Sources
- U.S. Census Bureau QuickFacts: Hialeah city, Florida
- HealthCare.gov: dates and deadlines for 2027 coverage
- HealthCare.gov: immigration status and the Marketplace
- HealthCare.gov: find local help
- IRS Revenue Procedure 2026-26 (2027 applicable percentages)
- Federal Register: 2026 HHS poverty guidelines
This page is general information, not tax, legal or immigration advice. Rules can change; we confirm current details with you before you enroll.