Small Group & ICHRA Plans
Better Benefits for Your Team
Talk to a licensed Florida benefits advisor who compares group health and ICHRA options for your business — real guidance, real answers, no cost to you.
☎ Get Help Choosing a Plan🔒 No obligation · No spam · Real local follow-up
Two Ways to Cover Your Team
Traditional Group Health Plan
One plan for your whole team. You choose the plan, contribute to premiums, and employees can add dependents. Works well for teams that want consistency and simplicity.
ICHRA
You set a monthly reimbursement amount. Employees choose their own individual plan and get reimbursed tax-free. More flexibility for employers and employees alike.
Cost Control
With ICHRA, you define exactly how much you contribute. No surprise premium increases mid-year. Predictable budgeting for businesses of any size.
We Stay With You After Enrollment
Tina Garrell works directly with Florida small businesses to compare both options and find the right fit. After enrollment, our in-house account management team in Lake Mary is here for your employees — billing, claims, plan questions. Real people. No bots. No offshore call centers. No extra cost.
Florida Business Benefits Advisor With 20+ Years of HR Experience
Most of our group and ICHRA clients work directly with Tina Garrell — our licensed benefits advisor with deep roots in Florida HR. She understands what small businesses need and helps you find a strategy that works for your team and your budget.
“Called and had my plan figured out in under 15 minutes. Real people, no pressure.”
Questions We Answer Every Day
ICHRA (Individual Coverage HRA) lets employers reimburse employees tax-free for individual health insurance instead of providing a group plan. It works well for businesses of any size that want to offer health benefits without the complexity and cost of a traditional group plan.
Traditional group plans give all employees the same plan. ICHRA lets each employee choose their own individual plan and get reimbursed up to a set amount. This gives employees more flexibility and gives employers more cost predictability.
Florida small group plans are available for businesses with 2-50 employees. With ICHRA, even a business with one employee can provide health benefits. We help you compare both options based on your team size and budget.
Costs vary based on employee age, plan type, and contribution strategy. We provide a no-cost comparison of your options so you can see real numbers before making any decisions.
Yes. Most of our group and ICHRA clients work directly with Tina Garrell, our licensed benefits advisor with 20+ years of Florida HR and benefits experience. Call (407) 209-3345 to get started.
Still Not Sure? Talk With Our Benefits Team
No cost, no pressure. After your team enrolls, our in-house account management team in Lake Mary handles billing, claims, and plan questions — no bots, no extra cost.
☎ Talk With an AgentMon–Fri 8:30am–5:30pm ET · Someone picks up · No bots, no hold music
