Group Health & Dental Insurance for
Florida Small Businesses
Access top group health and dental plans from Florida's leading carriers — Florida Blue, Cigna, Aetna, UnitedHealthcare, and Molina — with zero broker fee and expert guidance from a licensed Florida broker.
Group Health Insurance in Florida
What Florida small business owners need to know about group coverage in 2026
Florida Insurance Regulations
Florida's small group health market is regulated by the Florida Office of Insurance Regulation (OIR). Florida follows federal ACA rules for groups of 1–50 employees. There is no state individual mandate, making employer-sponsored group coverage an even stronger recruitment and retention tool in a competitive labor market.
Top Carriers in Florida
- ✓ Florida Blue (BCBS)
- ✓ Cigna
- ✓ Aetna
- ✓ UnitedHealthcare
- ✓ Molina Healthcare
We compare all carriers to find your best value.
Group vs. Individual in Florida
Florida has no state income tax, so group health savings are federal FICA and federal income tax only — but that's still thousands per year for most businesses. Florida's booming tourism, hospitality, and healthcare industries mean offering solid group benefits is essential for attracting and retaining quality employees in a competitive market.
Serving Florida Small Businesses Statewide
Does Your Florida Business Qualify?
If 3 or more of these apply, let's talk — you likely qualify for a group plan.
Get Your Free Florida Group Health Quote
Answer a few quick questions so we can match you with the best options — takes about 2 minutes.