Small Group Health Insurance in Florida
Group health insurance for Florida employers with 2–50 employees. Compare ACA SHOP and private group plans from multiple carriers. Free consultation from a licensed FL agent.
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Small Group Health Insurance FAQs
Common questions about small group health insurance in Florida.
Small group health insurance covers employers with 2–50 full-time equivalent employees in Florida. Plans are ACA-compliant and must cover pre-existing conditions and 10 essential health benefits.
Premiums vary by plan type, carrier, employee ages, and employer contribution level. Employers typically contribute 50–100% of employee premiums. A licensed agent can provide quotes from multiple carriers.
Most carriers require employers to contribute at least 50% of the employee-only premium. Employer contributions for dependents are typically optional.
Most carriers require 70–75% of eligible employees to enroll in the group plan. Employees with other qualifying coverage (spouse's plan, Medicare, etc.) are typically excluded from the participation calculation.
Yes. Through the ACA SHOP Marketplace and some private carriers, you can offer employees a choice of plans. A licensed agent can help you set up a defined contribution strategy.
Small group plans can typically be started at any time of year. There is no open enrollment restriction for group plans. A licensed agent can help you set up coverage within 30–60 days.