Explore small business health insurance plans in your area

Select your county to learn more about the small business group insurance and HMO plans you can choose from.

Frequently asked questions

Everyone deserves quality health care that’s affordable. Small business health insurance and HMO plans allow you to offer your employees health care coverage so they can stay healthy and productive.

No matter what Florida Blue small business health plan you choose, your plan will include doctor visits, preventative care services such as checkups and routine tests or screenings, prescription drug coverage, and even benefits like virtual care, wellness programs, digital tools, health coaching and education, along with additional products like vision, dental and life insurance.

Smaller-sized businesses have specific needs and unique considerations. Whether you have five employees or 50, you’ll need a group plan that’s affordable for both your business and your employees without sacrificing access to high-quality care.  

Because your business is smaller, you need a solution that’s easy to manage even without a dedicated team to administer your plan, and that offers ongoing support and access for employers and employees alike. You need to evaluate whether a fully insured or balanced funded plan is right for your circumstances and your budget. And ideally, your solution should provide additional products that employees really need, like vision, dental and life insurance.  

With over 75 years of working with local Florida small businesses, Florida Blue can offer you and your employees the right combination of cost, quality, access and service for your specific needs. Our local agents will give you the time and attention you need to determine which of our small group health plans would make the most sense for you.  
 

Small business health insurance and HMO plan costs depend on your location, the number of employees you have, and how much you can contribute to your employees’ coverage. Costs can also vary widely by the types of plans you choose, and factors like whether you whether you opt for more open access or narrower network solutions or fully insured or balanced funded.  

Florida Blue’s competitive portfolio of health plans for small businesses includes some of the lowest priced silver plan in most Florida counties. Talk to us to figure out what kinds of plans work best for you based on your needs and your budget.  

While it’s true that businesses with fewer than 50 full-time-equivalent employees aren't legally required to provide health insurance to their employees, a lot of small businesses do offer health insurance because it’s simply better for their workforce, which is better for their business.

Not only do good health benefits allow you to hire and retain the best people, it’s much more cost-effective to provide health insurance for your employees since access to quality health care means fewer sick days and greater productivity.

Health benefit plans have limitations and exclusions.  The amount of benefits provided depends on the plan selected and the premium may vary with the amounts of benefits selected.

Life is offered by Florida Blue Combined Life, an affiliate of Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.

Florida Blue and Florida Blue HMO are Independent Licensees of the Blue Cross and Blue Shield Association.

Florida Blue, Florida Blue HMO, Florida Blue Preferred HMO (collectively, “Florida Blue”), Florida Combined Life and the Blue Cross and Blue Shield Federal Employee Program® (FEP) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. We do not exclude people or treat them differently because of race, color, national origin, age, disability, or sex.

Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association. Life, Disability and Supplemental products are offered by USAble Life. USAble Life is an independent company and operates separately from Florida Blue.

Dental plans are offered by Florida Combined Life Insurance Company, Inc. (FCL), an affiliate of Florida Blue and an Independent Licensee of the Blue Cross and Blue Shield Association.

Florida Blue, Florida Blue HMO, Florida Blue Preferred HMO (collectively, “Florida Blue”), Florida Combined Life and the Blue Cross and Blue Shield Federal Employee Program® (FEP) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. We do not exclude people or treat them differently because of race, color, national origin, age, disability or sex.

Florida Blue offers only the health benefit plan to be used in conjunction with the Health Savings Account (HSA). An HSA is an individual's account to manage with our preferred administrator or a qualified financial institution or trustee of their choice. For more information on opening an HSA, the tax advantages of doing so, and the important tax implications of HSAs as used with a high-deductible health benefit plan, please contact a tax advisor or a financial institution.

The FSA and HRA programs are financial reimbursement plans, not insurance programs.

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