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Florida Group Health Plans for 1 to 50 Employees
Top Florida carriers compared$0 broker feeLicensed Florida broker
GROUP HEALTH INSURANCE · FLORIDA
Florida Group Health Specialist

Group Health Insurance for Your Florida Team.
Plans for 1 to 50 Employees.

We compare group plans from the carriers competing for Florida small businesses, explain the trade-offs in plain English, and handle the paperwork. No broker fees, ever.

Group health plans for 1–50 employees
We shop all the top Florida carriers so you get the best rate
Our service is 100% free, paid by carriers, not you
Licensed in Florida & 30+ states
30+ States
$0 Broker Fee
1 Day Quote Time
Get Your Free Group Health Quote
Takes 60 seconds · No obligation
STEP 1 OF 2
No obligation · Takes about 60 seconds
We call once to go over your options. No robo-dialing.
Your info is private & never sold
🎉

Quote Request Received!

A licensed broker will contact you within 1 business hour with your personalized group health options.


Need it faster? Call us directly:
(863) 270-9820

Licensed Florida Broker
No Broker Fees, Ever
Same-Day Quotes
Plans for 1–50 Employees
Licensed in 30+ States

Small business benefits, structured like a large employer's.

We price the same three funding models big benefits teams evaluate, built for teams of 1 to 50.

31States
Licensed
50+Carriers
Compared
1–50Employee
Focus
$0Broker
Fee
Simple Process

Coverage in 3 Easy Steps

From first call to your employees being covered, we handle the parts nobody enjoys.

1

Request Your Quote

Fill out the form above or call us directly. We need ages and ZIP codes to start, not medical histories.

2

We Shop the Florida Market

Your broker compares the carriers competing for your group and lays the real options side by side.

3

Enroll and You're Done

We handle the paperwork and walk your employees through their choices, then manage the renewal each year.

Small business team meeting
$0
Broker
Fees
Why Moran

The Broker Who Works For You

We are an independent brokerage, not a carrier's sales arm and not a lead-generation site. That means the recommendation comes from your numbers instead of from whoever is paying for clicks this week.

We Stay After the Sale

Renewals, mid-year changes, and claims problems are all part of the relationship.

A Real Person, Every Time

You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.

We Handle the Paperwork

Enrollment, renewals, claims questions. We stay with you long after the policy starts.

Plans for Every Budget

From basic MEC plans to full PPO coverage, we find the right fit for your business.

What You Get

Everything Your Business Needs

Comprehensive benefits your employees will actually use, priced for a business your size.

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Medical, Dental & Vision

Comprehensive coverage options from Florida's top carriers including Florida Blue, Cigna, Aetna, UnitedHealthcare, and more.

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Prescription Drug Coverage

Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.

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HMO, PPO & HDHP Plans

We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.

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Annual Renewal Support

We re-shop your plan every year at renewal to make sure you're still getting the best rate, always.

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Employee Onboarding Help

We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.

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Multi-State Teams Covered

Have employees across multiple states? We're licensed in 30+ states and can structure coverage for your entire workforce.

Three Ways to Cover Your Team

Traditional Group, Level Funded, or ICHRA

Most brokers only quote one of these. We run all three side by side and show you the math.

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Traditional Group Health

Fully insured plans from Florida's top carriers. Fixed premiums, zero surprises, and the easiest plan for employees to understand.

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Level Funded Health Plans

Big-company economics for small teams. You pay a level monthly amount, and if your team has a healthy year, you can get money back at renewal. Often beats fully insured pricing for healthy groups.

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ICHRA (Individual Coverage HRA)

Set a tax-free monthly allowance and every employee picks the plan that fits them. You control the budget with no renewal shock, they get real choice. We handle setup and compliance.

Who We Help

Situations We Help Florida Employers Solve

Illustrative examples of the situations we handle. These are scenario examples, not client reviews.

11 employees · landscaping and site work

Seasonal crew, first time offering benefits, and the owner is afraid of locking into a premium that balloons at renewal.

How we approach it: We price fully insured against level funded on the real census, and say plainly which one the roster supports.

8 employees · marketing agency

Competing for creative talent against firms that already offer benefits, with a budget that cannot absorb a rich PPO.

How we approach it: We quote every structure that could fit and explain the trade-off in each rather than leading with one product.

6 employees · law practice

Two partners in their fifties and four staff in their twenties, so a single composite rate hides two very different cost stories.

How we approach it: We start by sorting who is actually eligible, then price the structures that survive that answer.

Florida Market

How the Florida market is actually set up

Four things about Florida that shape your quote before a carrier ever sees your census.

Exchange

Florida uses the federal exchange, Healthcare.gov. There is no separate state exchange, and it lists only on-exchange plans, not the group or off-exchange market.

Medicaid

Florida has not expanded Medicaid, so lower-wage employees generally have no Medicaid fallback. That makes what you offer matter more here than in expansion states.

Carriers competing here

The small group market in Florida includes Florida Blue, UnitedHealthcare, Aetna, Cigna, and Humana. We compare what is available to a group your size rather than leading with one carrier.

Where your rate comes from

Carriers file rates by rating area, which is why Tampa, Orlando, Miami, and Jacksonville price differently for the same roster. Your local construction, hospitality, real estate, professional services, and healthcare employers see the same spread. Florida carries one of the largest Marketplace enrollments in the country, and Florida Blue's footprint means most counties see real competition underneath it. Rates are filed by rating area, so a Tampa quote tells you little about Jacksonville.

FAQ

Common Questions

Everything Florida business owners ask before getting started.

Usually one enrolled employee besides the owner. Groups of 1 to 50 are guaranteed issue in Florida, so no carrier can decline your business over anyone's health. Most carriers do expect majority participation and an employer contribution, and we check both before quoting.
Nothing. Our brokerage services are free to you. Carriers compensate us out of premiums they have already filed with the state, so you pay the same amount whether you use a broker or go direct.
Most {n} groups go from first call to active coverage in about one to two weeks, depending on the carrier and your requested effective date. Quotes themselves usually come back the same day.
The carriers active in Florida's small group market include Florida Blue, UnitedHealthcare, Aetna, Cigna, and Humana. Florida has one of the largest small-group markets in the country, which means real carrier competition in most counties and a wide spread between the first quote and the best one. We compare what is available to a group your size and present the options that fit, rather than leading with one carrier's product.
No Florida law requires it. Only the federal ACA employer mandate applies, and only to employers with 50 or more full-time equivalent employees. Florida has not expanded Medicaid, so lower-wage employees generally have no Medicaid fallback. That makes what you offer matter more here than in expansion states.
Traditional group gives fixed, predictable cost with full guaranteed-issue protection. Level funded underwrites your group and can return part of a healthy claims year, which tends to reward younger teams. An ICHRA replaces the group plan with a defined tax-free allowance, and employees would buy those individual plans through Healthcare.gov or off-exchange. Florida carries one of the largest Marketplace enrollments in the country, and Florida Blue's footprint means most counties see real competition underneath it. Rates are filed by rating area, so a Tampa quote tells you little about Jacksonville. We price all three against your census before recommending one.

Ready to Cover Your Team?

Get a free, no-obligation quote for your Florida business today. No broker fees, no pressure, and a straight answer about what fits.

Get My Free Quote → Call (863) 270-9820
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