Florida small business owners with 2 to 50 employees can purchase group health insurance that is often more affordable than individual ACA marketplace plans.
Any business with 2 to 50 full-time equivalent employees can purchase a small group plan, and carriers cannot deny coverage or rate up individuals for pre-existing conditions or health history. Pricing is set by employee ages, ZIP codes, and plan tier — which is why two Florida businesses of the same size can see very different quotes for identical benefits.
The Individual Coverage Health Reimbursement Arrangement (ICHRA) allows Florida employers to reimburse employees tax-free for individual health insurance premiums instead of offering a traditional group plan. Available to employers of any size since 2020, it lets you set classes (full-time, seasonal, remote states) with different allowance amounts — employees must be enrolled in qualifying individual coverage to participate.
Florida small group carriers include Florida Blue, UnitedHealthcare, Aetna, Cigna, Humana, and Ambetter, across HMO, PPO, POS, and HDHP-with-HSA plan types. The practical comparison is network breadth against premium — HMOs cost less but lock employees to in-network care, while HDHPs trade lower premiums for higher deductibles and pair with tax-advantaged HSAs.
Florida requires a minimum of 2 full-time equivalent employees to qualify for a small group plan. The maximum is 50 FTEs.
Generally no. A sole proprietor without W-2 employees cannot purchase a small group plan. However, if they pay themselves W-2 wages and employ at least one other person, they may qualify.
An ICHRA lets employers reimburse employees tax-free for individual health insurance premiums. Employees choose their own plan. Employers set a monthly allowance.
Small group premiums average $400 to $700/month per employee for a Silver-level plan. Employer contribution is typically 50 to 75% of the employee-only premium.
No. You cannot offer a traditional group plan and an ICHRA to the same class of employees. However, you can offer different options to different classes.
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