Florida Small Group Health Insurance Plans
The biggest misconception about group health insurance in Florida is that it is cheaper than FL individual health insurance. The actual premium of a Florida small group health insurance plan is higher, but since the employer is required to pay a portion of the employee's group medical insurance premium, the employee's portion is smaller. If you can get on your employers plan that is usually your best option. Adding your children or spouse to your plan is a completely different story. Since the employer is not required to contribute towards their (spouse and children) medical insurance premium you will be able to get a lower rate with an individual Fl health insurance plan.
There are many affordable small group health insurance plans, from several different companies. Small group medical insurance rates are regulated and premiums will be the same whether you use an agent or go direct. As independent agents we work with all the top rated group health insurance companies in Florida. The plans we recommend most often are from:
- Blue Cross Blue Shield
- United Healthcare
- Aetna
- Humana
- AvMed
- Cigna
- Vista Healthplans,
- Neighborhood Health Partnership
- and a few others.
The best plan really depends on the the group and the location, but Blue Cross Blue Shield's Blue Options plans, and Humana's HMO and POS plans often have the most competitive rates. Aetna also has very good rates but they come in a little bit higher in some areas of Florida.
Small group health insurance in Florida is guaranteed issue if you meet the eligibility requirements. Call us and we will help you find an affordable group health insurance plan to fit your needs.
Groups of one can only be obtained in August. Groups of 2 or more can get plans anytime. Eligibility requirements vary from one carrier to another. These should give you an idea of what to expect.
- Company must have been in business for at least 2 weeks - 24 months (depends on the carrier).
- Must have at least 2 or more full-time employees.
- Depending on the carrier 50-75% of eligible employees must be enrolled.
- In addition to the enrollment forms you must also submit your most recent UCT-6 and copies of your articles of incorporation.
In order to generate your small group health insurance quotes we will need an employee census. Because there are so many options we will also need to speak with you to get an idea of what type of plan you are looking for before we can email you your group health insurance quotes. Please feel free to call us anytime.
866-495-4111 305-495-4111