Florida Small Group Health Insurance

Florida small group health insurance plans are available to groups with a minimum of 2 fulltime employees or business owners. A minimum of 2 employees must enroll to be eligible except in certain situations. Health insurance carriers require 75% of all eligible employees to enroll. If an employee already has group health insurance through their spouse, is on Medicare then that employee can be waived without affecting the group participation requirement.

Businesses who wish to only offer group health insurance coverage to a select group of employees may be eligible for a management carve out plan. A management carve out is designed to insure managers only. A minimum of 2 managers must enroll to be eligible. In addition to management carve out, we can also provide class carve out, salary versus hourly carve out, and location carve out programs. We can provide group carve out strategies down to two employees with guarantee issue coverage.

We specialize in working with very small and closely held groups, often under 5 employees. We work with the following business arrangements:

• Sole Proprietor with DE-6 Payroll
• Sole Proprietor without DE-6 Payroll
• Partnerships and LLPs
• Corporations and LLCs
• Employers with 1099 Contract Employees
• Employers with Seasonal Employees

The advantage of a having a small group health plan is that it is guaranteed issue to all members of the group regardless of their current health status. Also, employers and employees have the benefit of paying for their health insurance with pre-tax dollars to help reduce their amount of taxable income.