Group health insurance in Florida can cover a group with only one full-time member. This group may be a business, labor union or professional trade association and a single master contract usually covers the entire group.

Florida group medical insurance provides other benefits besides medical care for your employees, including tax advantages because employer contributions are almost always tax deductible. Florida group insurance distributes the financial risk between all of the members, usually resulting in lower premiums and greater coverage for a group health plan.

There are three key points to consider when evaluating a Florida group health insurance plan:

1. A health provider must generally be a member of the plan's preferred provider organization before group health insurance for Florida residents will cover treatment costs.

2. The amount that the employee must pay before a Florida group insurance company will cover the costs of treatment. A higher deductible usually means a lower premium.

3. The coverage limit is the maximum amount that Florida small group health insurance will pay. This usually will increase as the premium increases.

Action Steps
The best contacts and resources to help you get it done

Get FL group health insurance through a broker

An independent broker usually has access to a large number of Florida group health insurance plans through different plans and frequently can provide other types of insurance and financial services.

I recommend: Contact The Bailey Group directly by phone or email to discuss your group health insurance needs. This company provides a wide variety of insurance services throughout Florida.

Submit your quote request to multiple companies that provide FL group health insurance

Many health insurance agencies can take your single quote request and farm it out to all of their carriers. The agency can then recommend the offer that best suits your needs.

I recommend: Request information on Florida group healthcare insurance from Liberty Insurance Brokerage by submitting the quote request form or speaking directly to a customer service representative. This firm recommends partial self-funding options for groups of 10 or more members.

Solicit personalized Florida group health insurance quotes from specific agencies

Provide complete information on your business and its employees when seeking a quote from a specific agency for group health insurance in Florida.

I recommend: Complete the group health insurance request form from L&J Insurance, including all of the required information on your employees. It will solicit approximately 30 carriers in Florida for quotes.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide temporary and part-time employees with customized Florida group health insurance. Self-employed individuals are usually able to provide their employees with a less expensive plan that provides basic coverage for essential benefits. Flexible Spending Accounts also are available to reduce health care costs for part-time employees.
• •  Offer a consumer-driven group health insurance plan for employees who want more control over their health care. This type of Florida group medical insurance usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts. This allows the member to manage medical expenditures more closely than with a traditional health care plan.