Group Health Insurance Plans

Florida Health Insurance Advisors

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(888) 267-2656

Affordable Group Health Insurance Plans For Small Businesses

Get Quotes for Competitive Rates from Leading Insurers for Businesses with 2 to 200 Employees

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Experts in Group Insurance for Small Businesses

Florida Health Insurance Advisors was founded to cater to the unique health insurance needs of small business owners, their employees, and their families. Our priority is to provide straightforward, transparent, and budget-friendly insurance options that meet your specific requirements.

Our mission is centered around delivering premium insurance solutions and unmatched customer support. Small businesses often face significant challenges in securing group health insurance that’s both affordable and comprehensive.

Equalizing Opportunities

Large brokers typically cater to bigger companies, leaving smaller entities with limited access to cost-effective, tailor-made plans through the employer health insurance market. This disparity makes it difficult for small businesses to attract and retain top talent without offering competitive health benefits. We aim to equalize the opportunities by assisting businesses small & large, in obtaining high-quality coverage at lower costs, enabling them to remain competitive in their industry.

With our statewide coverage and affordable premiums from the most reputable carriers, choosing the ideal group health insurance plan for your small business is now more accessible than ever. Request your quote today!

Group Insurance Plans for Small Business
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Group Health

PPO, HMO, POS, and HSA plans from:
Florida Blue, United Healthcare, Humana, Avmed, & others

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Group Dental

PPO, HMO, and Indemnity plans from:
Delta, Metlife, Standard, Humana, & others

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Group Life, Vision, and Disability

Both long and short term plans from:
Guardian, Standard, Humana, Metlife, & others

Why Us?

24/7/365 Customer Service

We will be there for you long after the sale to answer your questions or address your concerns.

Your Satellite HR Department

We handle additions of new employees, terminations, cobra notification, billing issues, claims issues and communication of benefits to employees

Mix & Match Providers

Presenting you and your employees with the best combination of insurers based on your needs.

More Options

There are many benefits we bring to the table including lower rates & more options.

Plus Comprehensive HR Management Software at No Extra Cost

  • Payroll
  • Time-Off Requests
  • Reporting
  • Benefits Portal for Employers & Employees

What Our Clients are Saying…

Pam has been fabulous in helping us to navigate the insurance minefield. Despite our company starting out with only a small handful of participants, she has been with us every step of the way and never treated us any differently. As we have grown, Pam has helped us to offer multiple local and national insurance plan options to our staff and their families, and it’s still just as easy as day one. I highly recommend Florida Health Insurance Advisors to anyone looking for an agent.

— Matthew, RENOSI, Inc.

I appreciate the customer service that Florida Health Insurance Advisors rep, Pam has given us. Every time I ask a question she is prompt to answer and always makes sure we understand the process. Thank you Pam.


We have been working with Florida Health Insurance Advisors for several years. They have been invaluable in helping us set up medical and dental coverage for our group plan. Specifically, Pam’s customer service is simply incredible. She always responds to my calls and emails on the same day and usually within an hour. We wouldn’t consider working with anyone else for our insurance needs.

— Todd D., Capstone Academy and Preschool


Our Team Today

(888) 267-2656


Only if you employ more than 50 full-time or full-time equivalent employees.

The hours of part-time employees are added together to equal one full-time employee. For instance if you have 2 part time employees working 15 hours per week, that would equal one full time employee.

That is correct, employers with fewer than 50 full time or equivalent are under no obligation to offer group coverage to their employees.

As of 2024, you can be fined $2,970 per employee; minus the first 30 full-time employees.

Yes your plan must cover all 10 essential health benefits, it must cover at least 60% of a typical medical bill and the cost to employee cannot exceed 9.5% of his or her adjusted gross income.

Starting in 2015 you would pay a $3000 penalty for each of your employees that enroll in a government subsidized plan in the Federal health Insurance Exchange.

If your plan was in place prior to march 23rd 2010 and you have not made any substantial changes to it, you will be able to keep your current plan.

When your plan renews you will have to switch to a plan that is healthcare compliant.

Your plan must cover all ten “essential health benefits” and can not cost more than 8.39% of employee’s modified adjusted gross income.

No, starting in 2014 the longest waiting period for new hires is 90 days.

Tax credits are available for companies with fewer than 25 full time employees and the average employee makes under $50,000 annually. However in order to receive the tax credits (35%) you must purchase your coverage from the Small Business Health Exchange (SHOP).

If the cost of your plan exceeds 9.5% of the employees household income they will be able to purchase a health plan on the Federal Health Exchange and apply for tax credits to help pay their monthly premium.

If you need more information or have additional questions, please contact us or call us at 888-267-2656.

If you would like a free no obligation quote, simply, call us at 888-267-2656 or click the Get Free Quote link above. Either way we will answer your questions and email you quotes the same business day. It costs nothing to get a quote but it could cost thousands of dollars annually not to.

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