Offering health benefits is one of the most effective ways to attract and keep good employees — but for a small business in Florida, the options can be confusing. This guide breaks down how group health insurance works, what it typically costs, and how a local broker can set it up for you.
Note: Maher Insurance Group is based in Fort Lauderdale, FL, but we’re a national independent agency licensed in 40+ states. We set up group health coverage for employers across our coverage area, so the guidance below applies whether your business is in Florida or beyond.
What counts as a “group” in Florida?
- Small group: generally 2–50 employees. Plans are community-rated and can’t turn you down for your employees’ health history.
- Large group: 51+ employees, with more flexibility in plan design and funding.
Most Fort Lauderdale small businesses fall into the small-group category, which comes with built-in protections and predictable pricing. Learn more about group health insurance.
What does small business health insurance cost?
Costs vary based on the number of employees, their ages, the plan design, and how much of the premium you choose to cover. In Florida, employers commonly pay 50–100% of the employee premium. Rather than guess, the most accurate path is a free quote across multiple carriers — a broker can show you real numbers side by side.
Tax credits worth knowing about
Businesses with fewer than 25 full-time-equivalent employees and average wages below a set threshold may qualify for the Small Business Health Care Tax Credit, worth up to 50% of premiums paid (when coverage is purchased through the SHOP marketplace). A broker can help you check eligibility.
Plan types to compare
- HMO — lower cost, in-network care, requires referrals.
- PPO — more provider flexibility, higher premiums.
- HDHP + HSA — lower premiums with tax-advantaged savings for employees.
- Level-funded — a hybrid that can reward healthier groups with lower costs.
Why use an independent broker for group coverage?
Setting up group health involves carrier comparisons, compliance, enrollment, and yearly renewals. An independent broker handles all of it — comparing carriers on your behalf, managing the paperwork, and advocating for you at renewal so your rates don’t quietly creep up. There’s typically no added cost, since broker compensation is built into the plans. Get a free group health quote for your business or call (855) 238-7947.
Frequently asked questions
How many employees do I need to offer group health insurance in Florida?
Generally at least two (including the owner in many cases). Small-group plans cover businesses with 2–50 employees.
Do I have to pay the full premium for my employees?
No. Most Florida small businesses contribute a portion — often 50% or more of the employee-only premium. The exact split is up to you, within carrier minimums.
Can employees add their families?
Yes, most group plans allow employees to add dependents, typically at the employee’s cost.
When can I set up group coverage?
Group health can usually be set up year-round, unlike individual ACA plans that have a set open-enrollment window.
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