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Why Offer Group Health Coverage?

Providing group health insurance in Orlando isn’t just about meeting expectations—it’s an investment in your people. Offering health benefits can:


  • Attract and retain top talent

  • Reduce employee turnover

  • Improve productivity with a healthier workforce

  • Provide tax-deductible business expenses for premiums

  • Allow employees to pay their share with pre-tax dollars

Even small businesses with as few as two employees can access competitive group rates.



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Group Plan Choices

Group Health Plan Options

We work with top Florida carriers to offer a variety of plan designs, including:


  • Fully Insured Group Plans – Fixed monthly premiums with the insurer carrying the risk.

  • Level-Funded Plans – For slightly larger small businesses; potential savings if your group has good health history.

  • Plan Types –

  • HMO: Lower premiums, network-based care

  • PPO: More flexibility with providers

  • High-Deductible Health Plans (HDHPs): Pair with a Health Savings Account (HSA) for tax advantages

We’ll help you balance cost, coverage, and network access so you can find the right fit for your employees.

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ACA Enrollment

Tailored Solutions for Any Size Business

From a small family business in Winter Park to a multi-location service company in Central Florida, we can design benefits that fit your size and budget.


In Florida:

  • Groups generally need at least one W-2 employee in addition to the owner to qualify for group coverage.

  • For 2–50 employees, carriers offer small group plans with rates based on age—not medical history.

No matter your size, we make sure your plan is competitive and compliant.

Additional Benefits: Dental, Vision, Life

Many businesses choose to offer more than just medical coverage. We can bundle:

01

Dental Insurance

02

Vision Insurance

01

Group Life & Disability Insurance

These extras can be employer-paid or voluntary (employee-paid) to help you offer a well-rounded benefits package without straining your budget.

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Employer Support

Our Services for Employers

When you work with us, we act as your benefits department—without the overhead. We:


  • Shop multiple carriers for the best rates and networks

  • Assist with onboarding and employee enrollment meetings

  • Provide clear benefit explanations to your staff

  • Review your plan annually to ensure it still meets your needs

  • Help keep you compliant with applicable ACA rules

Employee Support & Advocacy

Your team can call us directly if they have questions about their benefits, need help finding an in-network doctor, or have claims issues. We become an ongoing resource for both you and your employees—long after the initial enrollment.

Extra Coverage

Beyond the Basics: Extra Coverages

ACA health plans cover a lot, but not everything. Most don’t include adult dental or vision—but we do offer Dental Insurance and Vision Insurance to round out your coverage.



If you’ve missed Open Enrollment and don’t qualify for Special Enrollment, a Short-Term Health Insurance plan may be an option to bridge the gap until the next enrollment period.

Frequently asked questions

Frequently Asked Questions Small Business Group Health Insurance

  • How many employees do I need to qualify for group coverage?

    In Florida, you typically need at least one W-2 employee in addition to the owner.

  • Are group health premiums tax-deductible?

    Yes, most employers can deduct their portion of premiums as a business expense.

  • Do employees have to take the coverage?

    No, employees can waive coverage if they have other qualifying insurance.

  • Can I add dental or vision to my group plan?

    Yes, we can bundle dental and vision coverage.

  • Do you help at renewal time?

    Absolutely—we review your plan each year to make sure it’s still competitive.

Get a Free Quote for Your Business

Explore Your Options

If you’re ready to explore health insurance for your small business in Florida, our licensed agents are here to help.


We’ll compare multiple plans, explain your options in plain language, and guide you through every step of setup and enrollment.

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