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Florida Small Business Health Insurance

Aside from the lure of sandy beaches, DisneyWorld and year-round warmth, small business owners have a wealth of benefits awaiting them in Florida. Between the years 1998-2003, business growth increased by 33%, making it one of the most prolific areas to start a new business. Of course, there would be no business without employees, and what today's employees expect from their employers oftentimes includes health insurance. However, in 2003 only 41% of small business owners in Florida offered their employees health coverage. Insurance carriers offer consumer-driven health plans that purport to save employers money. They are also working to provide the small business owner access to group plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Florida Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Florida, products are available from the following:

• Aetna
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  
  
• Humana
  
  
• Time Insurance Company
  
  
• Vista Healthplan of South Florida

Florida’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect, which means that insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due solely to the health status of a group member. Companies may require that employers contribute a certain percentage of the premiums or have a minimum number of workers enrolled in the plan.
  
  
• Insurance carriers can charge small businesses higher premiums due to the age, gender, location or tobacco use of enrolled members. They can also charge up to 15% more in premiums because of health status or claims experience.
  
  
• Insurance carriers must offer small businesses standardized health plans in addition to a basic benefit health plan.
  
  
• Florida insurance carriers can impose an exclusion period for pre-existing conditions either temporarily or permanently. A pre-existing condition runs two years prior to enrollment.
  
  
• Self-employed workers with no other employees are considered a group of one and are eligible for group coverage if they enroll in a standard or basic health plan during the open enrollment period in August. Pre-existing clauses are in effect.
  
  
• Self-employed workers who enroll in an individual insurance plan can deduct 100% of their premiums at tax time.

Request a free online quote for more information on Small Business solutions in Florida >>