Small Business Health Insurance in St. Augustine, FL

In Florida, you can typically offer group health insurance with as few as 2 full-time employees (including yourself as the owner). Some carriers accept groups of 1. There's no minimum employee count requirement to start exploring options — we'll help you determine eligibility with each carrier.

Businesses with fewer than 50 full-time equivalent employees are NOT required to offer health insurance under the ACA. However, if you have 50 or more FTEs, you are required to offer affordable minimum essential coverage or face penalties. Regardless of size, offering coverage is a powerful tool for attracting and retaining employees.

Group plan costs depend on the number of employees, age of employees, chosen plan, and how much you (the employer) contribute toward premiums. Typically, employers contribute 50–80% of the employee premium. We'll get you specific quotes based on your workforce and find the most cost-effective structure for your business.

If your business has fewer than 25 full-time equivalent employees, pays average wages below $56,000/year, and contributes at least 50% toward employee premiums through a SHOP Marketplace plan, you may qualify for a federal tax credit of up to 50% of premiums paid (35% for nonprofits). This can significantly offset your cost of offering coverage.