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If you’re running a small business in Florida, offering health insurance to your employees isn’t required by law unless you have 50 or more full-time employees. But even without the legal mandate, it can be one of your wisest decisions. Health coverage shows you value your team and can help you attract talent, keep employees happy, and improve overall productivity.

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Small Business Health Insurance

Being a small business owner in Florida is exciting, but it comes with the major responsibility of choosing a good health insurance plan for your employees. Having good coverage goes beyond simply providing routine care — it can help you attract and retain top talent, boost employee morale, and contribute to a healthier, more productive workforce.

Live Health Insurance offers the best health insurance for small businesses in Florida, known for their employee benefits and affordability.

Our team is able to create customized, budget-friendly health plans with a broad range of coverages from some of Florida’s top medical networks.

Are you ready to find the best health insurance for your small business? Get personalized quotes from Live Health Insurance today.

Why Health Insurance is Essential for Small Businesses in Florida

Offering health insurance gives small businesses a competitive edge in the job market. Even though you may not legally have to offer coverage until you employ 50 or more full-time employees, you should consider offering health insurance before that point.

Live Health Insurance is a trusted provider of affordable, customizable health insurance for small businesses in Florida. Our dedicated team of health insurance representatives understands the unique needs of different industries, and they work closely with owners and key decision-makers in every type of organization to find the best solution for their employees.

Good health insurance for small businesses in Florida can:

  • Boost performance
  • Increase engagement
  • Strengthen loyalty
  • Attract talent
  • Enhance company culture

Discover how offering the right health insurance can make your employees happier and more productive.

Types of Health Insurance Plans for Small Businesses in Florida

Small business owners have a variety of options when it comes to offering health insurance coverage to their employees. Here’s a brief overview of each one:

Preferred Provider Organization (PPO)

How It Works: Employees choose their own providers from an insurance company’s medical network of doctors and hospitals. They can go out of the network, but their coverage is lower when they do. However, they get the power to choose any provider who accepts their coverage, in or out of their network.

Best for: Businesses with a diverse workforce and healthcare needs or companies in more urban areas where there are many providers.

Benefits: PPOs are also great for giving employees the greatest freedom when it comes to choosing their providers and taking action in their healthcare since they don’t need referrals to see specialists under this plan.

Health Maintenance Organization (HMO)

How It Works: An HMO has a medical network of healthcare professionals that accept their coverage. Employees have to receive care in the network in order for their insurance to pay for services. They must also choose a primary care physician (PCP) who oversees their general health and writes referrals to specialists when needed.

Best for: Businesses with a healthy workforce that wants to focus on preventative care and wellness, and companies that want to lower health insurance costs while still offering good coverage.

Benefits: HMOs offer lower costs to employers and employees, and they offer greater care coordination since each person’s PCP manages their overall healthcare.

Exclusive Provider Organization (EPO)

How It Works: An EPO is like a mix between a PPO and HMO. Employees don’t need a referral to see doctors or specialists, but they cannot get coverage outside of their network except in emergencies.

Best for: Businesses that want to offer more care options but pay less than PPO plans.

Benefits: EPOs offer the cost-savings of HMOs while expanding coverage options and allowing patients to freely seek care throughout the health insurance network, no referrals required.

High Deductible Health Plans (HDHP)

How It Works: An HDHP is a preventative form of health insurance that has an extremely high deductible to lower the monthly premiums. Employees pair these with a health savings account (HSA) to cover out-of-pocket expenses for care. Most preventative care is also covered before the deductible is met.

Best for: Businesses that want to dramatically lower healthcare costs and offer low monthly premiums.

Benefits: Employees can save pre-tax dollars through HSA contributions, and they have the greatest freedom to choose their own providers.

Not sure which health insurance is right for your business? Speak to Live Health Insurance for free, personalized assistance.

Eligibility Criteria for Small Business Health Insurance in Florida

In Florida, small businesses are legally required to offer health insurance if they have 50 or more full-time employees. Smaller organizations often still provide coverage options because they want to attract and retain the best talent and take care of their workers.

At Live Health, we’re a trusted partner who understands Florida’s specific health insurance regulations. Our team doesn’t just recommend plans; we build tailored solutions for small businesses in every industry.

Benefits of Offering Health Insurance to Small Business Employees

  • Employee Attraction and Retention: Employees value health insurance coverage and employer contributions as part of their benefits package. Companies that make an effort to provide high-quality, affordable coverage are more likely to attract top talent and keep employees on board.
  • Tax Benefits: Employers with 25 or fewer employees may be eligible for the Small Business Health Care Tax Credit, which can help them claim up to 50% of their premiums (35% for non-profits or tax-exempt entities).
  • Improved Productivity: Healthier employees are more motivated, engaged, and active in their roles. By giving them easy access to healthcare, you can help them look after their own physical and mental well-being, take care of their families, and lower stress and risk factors that contribute to absenteeism.

Live Health are your dedicated Florida health insurance experts. We know how to build custom health plans within your budget that maximize benefits for you and your employees.

Discover the benefits of offering health insurance to employees.

Florida-Specific Considerations for Small Business Health Insurance

All eligible small businesses in Florida must offer health insurance when they have 50 or more full-time employees. Employers must contribute at least 50% of premiums to qualify for group health insurance plans, and the percentage can change depending on the specific plan.

Florida mandates employer-offered coverage meets the requirements of the Affordable Care Act (ACA), which includes free preventative services, hospitalization coverage, and maternity care. Companies cannot deny an employee health coverage based on their medical history, current health conditions, or age.

The team at Live Health Insurance knows how important it is to find the right balance between cost and coverage. Let us help you find the perfect solution for your company and give your employees the top-notch healthcare they deserve.

How to Choose the Best Health Insurance Plan for Your Small Business in Florida

Before buying a health insurance plan, business owners should perform an assessment of their employees’ needs to ensure they choose the right type of plan for their workforce. They should also compare quotes from different providers and various plans before settling on a particular company or insurance structure.

It’s also important to compare costs and ensure that a plan is affordable for both the company and its employees. Companies should take the cost of living, average salary, and other deductibles of their workforce into consideration before offering a plan.

Health insurance isn’t valuable to employees when they can’t afford it. So, working with a skilled company like Live Health Insurance can ensure you get a custom solution that works for you and your employees’ budgets.

Discover how the right small business health insurance can increase profits.

Common Questions About Small Business Health Insurance in Florida

What are my options for affordable health insurance in Florida? Small businesses can choose from the Small Business Health Options Program (SHOP) providers or custom, private solutions to give their workforce affordable coverage and keep costs manageable. Employers can buy SHOP programs or purchase through the ACA Marketplace to find programs and providers that suit their needs.

How many employees do I need to qualify? You can offer insurance when you have only one, but Florida legally requires you to offer coverage once you have 50 full-time employees.

Can I offer different plans for different employees? Yes, you can offer various types of policies and plan types to your employees. Taking this flexible approach can allow you to cater to a diverse workforce and ensure every individual gets the coverage they need. But to keep costs affordable, it’s a good idea to work with our team and find a structure that’s both versatile and budget-friendly.

How do I compare quotes? You can compare providers and plans online by requesting help from a provider like Live Health Insurance. Gather information about your workforce, like their ages, health needs, desired coverage levels, and salaries. Then, reach out to us and request a quote. We’ll happily provide you with various options and policy structures that will help you get the right coverage.

Why should I choose Live Health Insurance? We are a Florida-based company that helps businesses find specialized coverage for all of their employees. We recognize the unique challenges and nuances of offering coverage as a small business owner. Our diverse team of skilled health insurance representatives can help you navigate the entire process, from understanding eligibility requirements to walking you through enrollment.

Find the Best Health Insurance for Your Small Business. Florida business owners can always trust Live Health Insurance to connect them with the most dynamic, affordable plans. Reach out to us today to learn more about your options!

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      By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

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        By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.
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