I was out snorkeling at Biscayne Bay in Miami, Florida in the shallow waters near the shore when I saw this fish.
What fish is this?
I see it has black spots at the bottom and five white lines along its posterior fin.
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I think this is probably a checkered puffer Sphoeroides testudineus based on your location and picture, with the wave-reflection patterning on the dorsal surface and ventral speckling the most obvious features.
Could be a different Sphoeroides, but I looked through other species found off Florida and none had similar patterning.