Small Business Group Health Insurance in Florida (1 to 100+ Employees)

You have more options than you think. Florida businesses with 1 to 100+ employees can choose traditional group plans, ICHRA (also called a CHOICE Arrangement), and other benefit setups, and helping you find the right one is what we're here for. Licensed broker Darius Mills compares them at no fee to you. Most clients save; results vary.

Fill out the quote form and we'll send you the most up-to-date options for you.

In New York? See New York small business group health insurance.

You have more options than you think

If your only quote was one renewal letter, you haven't seen your options yet.

Picture it. You run a shop with eight people on payroll. The renewal letter lands, the number is higher than last year, and there's a reply-by date at the bottom. It feels like you have two choices: sign it, or drop coverage and hope your good people stay.

That letter is one option. It isn't the only one. There are group plans, ICHRA, and other setups, and the right one depends on your team, your budget, and what you're trying to do for your people. Finding it is our job. Taking care of your people and protecting your budget aren't always a trade-off.

We understand how overwhelming insurance options can be and we're here to help.

Built for Florida teams of 1 to 100+ employees

This page is for Florida employers of any size, from 1 to 100+ employees. Florida's small-group market is generally 1 to 50 employees (HealthCare.gov), and I also help businesses with 51 to 100+ employees compare their options.

Small-group coverage can start any month of the year, so you don't have to wait for an enrollment season.

Just covering yourself or your family, with no employees on the plan? Individual and family plans are the better place to start, and PPOs are available there too.

Group health plan options

Most people picture one kind of group plan: the traditional setup (often called fully insured). You pick a plan from an insurance company, decide how much of the premium the business covers, and the insurance company handles the claims.

That's a solid choice for a lot of teams, and it's not the whole menu. I also look at other plan structures when they fit your team. For business owners with an EIN, even a group of one, that includes private association plans, which pool low-risk individuals together and can lower costs. Which ones make sense depends on your headcount, your budget, and what your people actually use. I can add dental and vision to the picture, too.

You won't get a pitch for one product here. You'll get a side-by-side.

ICHRA (CHOICE Arrangement), in brief

ICHRA stands for individual coverage health reimbursement arrangement. In plain English: you set a tax-free monthly allowance, and your employees use it toward individual health plans they pick themselves. HealthCare.gov now calls it a CHOICE Arrangement.

One rule to know: you can't offer the same class of employees a choice between your group plan and an ICHRA, but you can split classes, for example a group plan for full-time staff and an ICHRA for part-time staff. Employees get written notice 90 days before the plan year starts. More from HealthCare.gov on CHOICE Arrangements.

What it costs to work with us

Standard group and ICHRA placement is carrier-paid, so my help is free to you. If anything ever carries a fee, you'll hear about it up front, before you agree to anything.

Heading into your 2027 renewal

If your renewal letter just landed, fill out the quote form before you auto-accept, and we'll send you the most up-to-date options for a team your size. That way you're deciding with the full picture instead of a deadline. For 2027 small-group rate context, see our blog.

How we help you find the right fit

I built Creative Health Solutions from scratch, so I know the math hits different when it's your own payroll. Here's how it works:

1. Fill out the quote form or schedule a call. Short and no pressure.
2. I compare your fits. Headcount, budget, and goals first, then group plans, ICHRA, and other plan structures when they fit your team, side by side.
3. You fill out a quick application, and we get you set up. I'm here at renewal, too.

My team and I bring over 10 years of combined experience. We've helped over 450 clients save an average of $350 a month. Results vary; savings depend on your situation.

"Darius knew exactly how to get me health insurance which I’ve put off taking care of for years. As a small business owner, it was important to get everything done quickly and not take a lot of valuable time. I’m certain he’s the best person for the job. Call him TODAY!"

Want a side-by-side for your team? Schedule a call or get a quote. Fill out the quote form and we'll send you the most up-to-date options for your team.

Serving employers across Florida

Creative Health Solutions is based in Melbourne, and we work with employers all over Florida by phone and video. See Melbourne health insurance, Florida areas we serve, or all areas we serve.

Small business health insurance FAQ

Let's look at your options

Letting the renewal ride has a cost. You could face unexpected medical bills and continue feeling overwhelmed by insurance decisions.

Most clients save money and feel secure with the right coverage in place. Savings depend on your situation. You go from signing whatever the renewal letter says to choosing what fits your team.

If you're worried about overpaying for health insurance, you deserve a solution that works for you. Want a side-by-side for your team? Schedule a call or get a quote. Fill out the quote form and we'll send you the most up-to-date options for you.

Darius Mills
Founder and Senior Broker, Creative Health Solutions