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Florida health insurance quotes

Florida Small Business Insurance and Florida Group Insurance


Representing:  Aetna - Blue Cross Blue Shield of Florida - CIGNA - Humana - United HealthCare

At Florida Health Insurance Center, we provide insurance to members of a formal group such as employees of a firm or members of an association.  Florida group insurance is distinguished from individual insurance in which single policies are sold to one person at a time and from social insurance (e.g., unemployment insurance, social security), which is sponsored by the government.

Because every group is different, we take the time to find the right plan for your group. To find out more information, or just check out the rates for group health insurance, fill out our no obligation quote form.


What is Group Health Insurance?


Florida group health insurance covers a group of people under one policy.
A company is not required to offer a group plan for its employees, although many employers do offer a group health insurance plan as part of their employee benefit package


How do I know if my business is eligible for Group Health plan?


The laws for group coverage vary according to each state. On average, to be eligible for a group plan, an employer must have at least two eligible full time employees to be considered for group coverage. An example of this could be two business partners, one business owner and one employee, or two or more employees.


What is a small group plan?


In general, groups with 2-50 employees are considered small group plans. Small group plans in the state of Florida have access to guaranteed-issue coverage. This means that regardless of any pre-existing condition, everyone who wants to enroll in the plan would be accepted into the plan.(carriers may still impose a pre-existing wait period if no evidence of prior credible coverage). Employee's are required to complete a health application (listing family members to be covered), including their medical history information. This information is used to medically underwrite (determine the final premium rates) for the small group plan.

What is a large group plan?


In general, groups with 51 or more employees are considered to be large group plans. Large group plans in the state of Florida do not have to be offered on a guaranteed issue basis. This means that a health insurance carrier can decide not to extend coverage to the group. Large group plan rates are determined based on the group's participation and claims experience. Employees, who enroll in a large group plan, are not required to complete a health history on their application. Employers will be required to complete a large group questionnaire regarding the group's claims history.


What are some of the requirements for Small Group Coverage?

Each health insurance carrier will require a certain criteria for a group to exist. The first requirement is participation.


Small Group Participation:


In general, for a small group plan to form, most insurance carriers will require a minimum of 70% participation of all full time eligible employees (minus credible waivers). A credible waiver for the majority of the health insurance carriers would include those employees with:

  • Medicare
  • Spousal Group Coverage

Example:. If a small group has 10 employees, with 4 of the employees on their spouses plan, then the group would only need 70% participation of the remaining 6 employees for the group to be eligible for coverage.


The other requirement for small group plans is the employer contribution. In the state of Florida, employers are required to contribution a minimum of 50% of the employee only cost (or premium).


Large Group Participation:


Participation requirements for large group are carrier specific. Some carriers will require a 50% participation, without any allowance for waivers in coverage. Other carriers may require a 70%-75% participation, allowing a credit for those with credible waivers in coverage.


One Life Group Plans:

Guaranteed-issue coverage for One Life Group plans are only available during a specific time of the year. In the state of Florida, a self-employed person would be eligible to apply for a One Life Group plan, during the open enrollment period, which is in the month of August. The effective date of the policy would begin on October 1st of the same year. These types of plans are an option for someone who may not be eligible for health insurance because of a pre-existing condition, but they often are an expensive option for coverage.


For your free Florida group health quote, fill out our group health insurance quote form.



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