Author: John Serian

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.

Finding health insurance in Fort Lauderdale can feel overwhelming. Between the ACA marketplace, private plans, short-term options, and employer coverage, it’s hard to know where to start — let alone which plan actually fits your budget and your doctors. This guide walks through your options as a Broward County resident and how an independent broker can do the shopping for you.

Note: Maher Insurance Group is headquartered in Fort Lauderdale, FL, but we’re a national independent agency licensed in 40+ states. So whether you’re here in South Florida or elsewhere in our coverage area, the guidance below applies — and a licensed agent can help you wherever you live.

Your main health insurance options in Fort Lauderdale

1. ACA Marketplace (Obamacare) plans. Sold through the federal marketplace, these plans can’t deny you for pre-existing conditions, and most Florida enrollees qualify for premium subsidies based on income. Open enrollment runs each fall, with special enrollment periods if you have a qualifying life event. Explore ACA Marketplace plans.

2. Private and ACA-alternative plans. If you don’t qualify for a subsidy or want different networks, private options and health-sharing alternatives may fit. Compare the fine print with a licensed agent — see ACA alternatives.

3. Short-term medical coverage. Between jobs or waiting for a plan to start? Short-term medical can bridge the gap, though it doesn’t carry the same protections as ACA plans.

4. Group / employer coverage. If you own a small business in Fort Lauderdale, offering group health insurance is often more affordable per person than individual plans.

Why work with a local independent broker?

A captive agent sells one company’s products. An independent broker compares plans across many carriers and works for you, not the insurer — at no extra cost, since broker compensation is built into the plan either way. A local broker also knows the Florida carriers, the South Florida provider networks, and the enrollment deadlines that matter here.

What to look at beyond the monthly premium

• Network: Are your doctors and preferred hospitals (Broward Health, Holy Cross, Memorial) in-network?
• Deductible and out-of-pocket max: A low premium with a high deductible can cost more if you use care often.
• Prescriptions: Check that your medications are on the plan’s formulary.
• Subsidy eligibility: Many Fort Lauderdale households qualify for ACA subsidies and don’t realize it.

How to get started

The simplest path is a short conversation with a licensed agent who can pull quotes across carriers and explain the trade-offs in plain language. There’s no obligation, and you’ll know your real options in minutes. Get your free Fort Lauderdale health insurance quote or call (855) 238-7947.

Frequently asked questions

How much does health insurance cost in Fort Lauderdale?

It depends on your age, household income, and the plan you choose. Many Florida residents qualify for ACA subsidies that significantly reduce the monthly premium — a licensed agent can check your eligibility for free.

When can I enroll in a health plan in Florida?

ACA open enrollment runs each fall for coverage starting January 1. Outside that window, you can enroll if you have a qualifying life event such as losing job-based coverage, moving, getting married, or having a baby.

Do I have to pay a broker to help me find a plan?

No. Independent brokers are compensated by the insurance carriers, so their guidance is typically free to you, and it doesn’t raise your premium.

Can I keep my current doctor?

Often yes — but you should confirm your doctor and hospital are in the plan’s network before enrolling. A broker can check this for you.