Understanding Insurance Utilization Among Racial Groups in South Florida

As the principal agent of Island Insurance Group, it’s crucial to stay informed about the diverse insurance needs of South Florida’s population. Our community is rich in cultural diversity, and understanding how different racial groups utilize insurance services can help us better serve our clients. Let’s delve into the current trends and disparities in insurance coverage across South Florida, focusing on Miami-Dade, Broward, and Palm Beach counties.

Key Insights on Insurance Coverage

Uninsured Rates and Coverage Disparities

In recent years, significant strides have been made in reducing uninsured rates among various racial groups, thanks to policy changes and expansions in Medicaid and marketplace subsidies. However, disparities still exist:

  • Hispanic and Black Populations: These groups generally face higher uninsured rates compared to White and Asian populations. As of recent data, the uninsured rate for Hispanic individuals in Florida stands at around 18%, while it is about 10% for Black individuals​ (KFF)​​ (Home)​.
  • White and Asian Populations: These groups have lower uninsured rates, approximately 6.6% for White individuals and 6% for Asians​ (KFF)​​ (WUSF )​.

Miami-Dade County

Miami-Dade County is home to a large Hispanic population, which significantly influences the overall insurance coverage trends. The county has seen substantial gains in coverage due to Medicaid expansions and increased marketplace subsidies, but disparities remain evident​ (Florida Demographics)​.

Broward County

Broward County mirrors Miami-Dade in many ways, with substantial portions of the Black and Hispanic populations benefiting from public insurance programs. Despite improvements, these groups still experience higher uninsured rates compared to their White counterparts​ (Florida Demographics)​.

Palm Beach County

In Palm Beach County, efforts to reduce uninsured rates have been effective, yet disparities persist. The county’s demographic makeup includes significant Hispanic and Black populations, which continue to face challenges in accessing private insurance​ (Florida Demographics)​.

Factors Influencing Coverage

Medicaid Expansion

The expansion of Medicaid has been a pivotal factor in improving insurance coverage among minority groups. States like Florida, which expanded Medicaid, have seen more significant improvements in coverage for Black and Hispanic populations compared to states that did not expand Medicaid​ (KFF)​​ (Home)​.

Public Policies

Several public policies have played crucial roles in reducing uninsured rates. The Families First Coronavirus Response Act and the American Rescue Plan Act provided continuous enrollment requirements and enhanced subsidies, significantly boosting coverage among minority groups during the pandemic​ (KFF)​​ (Home)​.


At Island Insurance Group, our commitment is to provide tailored insurance solutions that meet the diverse needs of our South Florida community. By understanding the unique challenges and trends in insurance utilization among different racial groups, we can better serve our clients and ensure equitable access to essential insurance services. Stay informed, stay covered, and trust Island Insurance Group for all your insurance needs.

For more detailed statistics and insights, visit our blog regularly and contact us for personalized insurance solutions.


  1. Kaiser Family Foundation
  2. USAFacts
  3. Commonwealth Fund
  4. Florida Demographics

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