Open Enrollment 2025: How Melbourne Small Business Owners Can Save 20–40% on Health Insurance
If you’re a small business owner or self-employed family in Melbourne, Florida, you already know health insurance isn’t cheap. Premiums creep higher every year, plans get more confusing, and you’re left wondering: “Am I getting the best value for what I’m paying?”
This year’s Open Enrollment (October through December 2025) is especially important. Why? Because 2026 ACA premiums are projected to spike as much as 75%. If you don’t take the time to review your options now, you could be locked into another year of overpriced, underwhelming coverage.
But here’s the good news: Brevard County families don’t have to settle. There are smarter ways to save, both during open enrollment and year-round.
What Open Enrollment Means in Brevard County
Open Enrollment is the annual window (October 15 – December 15) when individuals and families can enroll in or change their ACA Marketplace health plans. For self-employed workers, small businesses, and families in Melbourne, this is the only time to make changes unless you qualify for a special enrollment period.
Miss the deadline, and you’re stuck with your current plan — even if your premiums skyrocket.
The Hidden Alternative: Private Market Year-Round
Most people in Brevard County don’t realize there’s a second option outside of the ACA Marketplace: the Private Market.
Unlike ACA plans, private health insurance doesn’t follow strict enrollment deadlines. That means you can qualify year-round — no need to wait until next October if your current plan is draining your bank account.
Even better: small business owners with teams under 20 employees can often access Fortune-500 level benefits at a fraction of the cost. With the right broker, you can save 20–40% annually while upgrading to wider PPO networks and stronger coverage.
This is where our HealthWealth GPS™ strategy comes in — helping Brevard families navigate the maze and uncover hidden savings.
The Pain Point: Rising Premiums & Wasted Money
Here’s the reality:
ACA premiums in Florida are projected to increase up to 75% by 2026.
Studies show 82% of small business owners are already overpaying for coverage.
Many families stick with the ACA out of familiarity, unaware that private options even exist.
That’s thousands of dollars lost every year — money that could be reinvested into your business or saved for your family’s future.
Real Numbers That Matter for Florida Families
Let’s run the math:
In 2026, families can contribute up to $8,750 into a Health Savings Account (HSA) if paired with a qualifying plan.
If that money is invested and grows at the S&P 500’s historical 7% average return, after 20 years you’d have:
💰 $416,000.
That’s nearly half a million dollars saved — money that stays tax-free when used for medical expenses. Compare that to sticking with a high-premium ACA plan where costs rise but savings don’t.
For Melbourne business owners, this isn’t just health insurance. It’s wealth preservation.
Common Misconceptions About Open Enrollment
Let’s clear up a few myths:
❌ “I can only enroll right now.”
➡️ False. That’s true for ACA Marketplace plans, but private health insurance is available year-round.
❌ “Private insurance is junk coverage.”
➡️ False. Many private plans use the same major carriers (Cigna, BCBS, United Healthcare) with PPO networks and better benefits.
❌ “Switching plans is too complicated.”
➡️ False. With the right broker, comparing options takes minutes. The real risk is doing nothing and staying stuck with rising premiums.
How Melbourne Small Business Owners Should Prepare
Here’s a simple checklist for Open Enrollment 2025:
Review your current plan before December 15th.
Compare ACA vs. Private Market options to see if you’re overpaying.
Check if your plan is HSA-eligible to unlock tax advantages.
Use the HealthWealth GPS™ strategy to calculate your real long-term savings.
Act early — don’t wait until the deadline to realize you’ve missed out.
Take Control of Your Health and Wealth
Here’s the truth: most small business owners in Melbourne are leaving money on the table simply because they don’t know their options.
Don’t let higher premiums eat into your profits or family budget for another year.
Download our free guide: The Brevard Business Owner’s HealthWealth GPS™ and see how much you could save before December 15th.
Because at the end of the day, open enrollment isn’t just about picking a health plan. It’s about choosing financial freedom, peace of mind, and a stronger future for your family and business.