Small Group Health Insurance Plans in Florida
Compare Plans, Costs, and Coverage — With Local Licensed Guidance
A current-market comparison shows exactly where your plan stands — many businesses are surprised by the numbers.
We don’t just quote plans — we design the right benefits strategy for your business.
✔ No additional agency fee • ✔ No obligation • ✔ Licensed Florida agents
A licensed Florida benefits advisor will follow up during business hours.
✓ No additional fee for agent assistance · ✓ No spam · ✓ Local agents
By submitting this form, you agree to be contacted by a licensed insurance agent by phone, text, or email.
Small Business Health Insurance Plans in Florida — What Should You Offer?
If you have 2–50 employees, you’re likely looking for a small group health plan.
Most business owners search for “small business insurance” — but what they actually need is a small group health plan.
Most Florida businesses should start with a traditional group plan — but many aren’t shown all their options. We help you compare group plans first, then show alternatives only if they actually make sense. The right answer depends on your team size, budget, and business goals.
Most businesses make the wrong decision simply because no one explains the options clearly.
We walk you through your options for small group health insurance in Florida and help you choose what actually makes sense for your situation — whether that’s a traditional group plan, ICHRA, or something else entirely.
“We help you choose the right strategy — not just sell a plan.”
☎Call Now — Get Your Business Health Plan Options
Small Group Health Insurance Plans for Florida Businesses
Most business owners are really looking for small group plans — they just don’t know what to ask for.
For most small businesses, group health insurance is still the best overall option.
Most businesses choose the wrong plan because they focus on premium instead of total cost.
Choosing the wrong plan can lead to higher costs, unhappy employees, and constant issues throughout the year.
Traditional group health insurance in Florida remains the right fit for many small businesses. Florida small business health insurance plans give employers a structured way to provide coverage, supports recruiting and retention, and gives your team a clear, reliable coverage option.
We work with multiple carriers — including Florida Blue, Humana, Aetna, Cigna, and UnitedHealthcare — and help you compare plan tiers, contribution structures, and total cost before you commit to anything.
We show you the real monthly cost for both the business and employees before you commit.
☎Talk to a Florida Benefits Advisor
Why Florida Business Owners Call Us First
We answer the phone
Call us and speak with a licensed Florida benefits advisor from our Lake Mary-based team.
We compare options across multiple carriers
We represent multiple Florida carriers and show you the real cost comparison before you decide.
We stay with you after setup
Your dedicated account manager handles billing issues, employee questions, and renewals — at no extra cost.
Most of our clients come from other agents not explaining this correctly.
✔ Serving Florida businesses since 2006 • ✔ No additional agency fee • ✔ Local advisors
☎Call Now — Get Your Business Health Plan Options
When ICHRA Might Make Sense (In Certain Cases)
ICHRA is not the right fit for most small businesses — but in some situations, it can work well. For some Florida businesses, ICHRA can be a strong alternative — but it’s not the right fit for everyone. An Individual Coverage HRA lets employers set a defined monthly contribution and allow employees to choose their own individual health insurance plan.
In most cases, small group plans are still the better option — we’ll tell you if that’s not true.
We help you understand whether ICHRA makes sense for your business model before you move forward. Learn more about ICHRA →
Most business owners make their final decision after one call with Tina.
Work Directly With Tina Kuga, Licensed Florida Benefits Advisor
Most business owners call once and immediately understand what they should be doing. She doesn’t just sell plans — she helps design benefits strategies for Florida businesses.
Tina Kuga Garrell is the President of Insurance Advisors of Florida and leads our small business and employee benefits practice. With a Master’s in Human Resources and senior HR leadership experience at Universal Orlando, she understands benefits from both the employer and employee side.
When you call, you work with Tina or a member of our licensed Lake Mary team — and we stay with you through setup, renewals, and employee questions.
Talk to a Real Person About Your Business Benefits
Speak with a licensed Florida advisor from our Lake Mary-based team
Clear help from a licensed Florida benefits advisor who knows small group health insurance in Florida.
Small Group Health Insurance Florida — FAQ
The best option depends on your team size, budget, and whether you want employees to have a shared plan or individual choice. Traditional group health insurance is often a good fit for teams of 5–50 who want a consistent employer-sponsored benefit. ICHRA can work well for businesses with varied budgets or part-time/remote staff. We help you compare both so you choose what actually makes sense.
Most Florida group health insurance carriers require a minimum of 2 full-time employees to qualify. Some plans have different participation requirements. We work with small groups from 2 to 50 employees and help you navigate carrier-specific eligibility rules with no additional agency fee.
Costs vary based on group size, employee ages, county, plan tier, and how much the employer contributes; premiums are determined by the applicable carrier and plan. We show you the real total cost — not just the premium — so you can plan accurately.
Neither is universally better. Traditional group health works well when you want shared coverage and plan consistency for your team. ICHRA gives employees more individual choice and can offer more cost control for employers. The right answer depends on your specific situation — and we’ll walk you through it on a single call.
Insurance Advisors of Florida does not charge an additional agency fee for its assistance. Premiums, administrative charges, commissions, and plan costs are determined by the applicable carrier, plan, and enrollment arrangement. We help make the process faster, clearer, and less stressful.
Group health insurance gives all employees the same employer-sponsored plan with a shared contribution structure. ICHRA (Individual Coverage HRA) lets employers set a monthly allowance and employees choose their own individual plan. Group is often a good fit for consistent team coverage; ICHRA can work well for businesses with varied employee situations or tighter budgets. We help you compare both — learn more about ICHRA here.
Yes. We don’t disappear after setup. Every business client is assigned a dedicated account manager in our Lake Mary, FL office who handles employee questions, billing issues, and annual renewals. That ongoing support comes with no additional agency fee.
Not Sure What Your Business Should Offer? Call Us.
No pressure. No obligation. Clear answers from a licensed Florida advisor.
Speak with a licensed Florida benefits advisor and get clear answers fast.
✔ Licensed Florida advisors ✔ No additional agency fee ✔ Lake Mary, FL team