Aetna CVS Health is one of the major carriers in Florida's small group health insurance market. For Florida employers with 1 to 50 eligible employees, Aetna offers a range of group health plans with competitive networks, particularly in South Florida and the Tampa Bay area. This page covers Aetna's Florida small group plan types, network structure, approximate costs, and how to enroll.
Aetna operates in Florida's small group market through Aetna Health Inc. (Florida). The carrier has historically been strong in South Florida markets — Miami-Dade, Broward, and Palm Beach counties — as well as the Tampa Bay metro. Aetna is typically one of three to five carriers competing for small group business in most Florida markets, alongside Florida Blue, Ambetter, and in some markets, UnitedHealthcare and Oscar.
Aetna participates in both the fully-insured small group market (where the carrier bears the insurance risk) and, for larger employer groups, self-funded arrangements. For businesses with 1–50 employees, fully-insured small group plans are the standard product.
Aetna offers two primary plan structures in Florida's small group market:
Aetna does not typically offer PPO plans in Florida's small group market. Employers seeking true out-of-network coverage on a routine basis may need to consider Florida Blue, which offers more extensive PPO options in this state.
| Metal Tier | Actuarial Value | Typical Use Case | Deductible Range |
|---|---|---|---|
| Bronze | ~60% | Low-cost option; employees pay more when using care | $3,000–$7,000 |
| Silver | ~70% | Mid-range; balanced premium and cost-sharing | $1,500–$4,000 |
| Gold | ~80% | Higher premium; lower out-of-pocket for frequent users | $500–$2,000 |
| Platinum | ~90% | Lowest out-of-pocket; highest premium | $0–$500 |
Small group premiums vary by employee age composition, county, and plan tier. The following ranges reflect approximate 2026 total monthly premiums per enrolled employee in Florida markets where Aetna participates:
Most Florida small employers contribute 50–70% of the employee-only premium, with employees paying the remainder via payroll deduction. Dependent premiums are typically paid entirely by the employee, though some employers contribute.
Like all Florida small group carriers, Aetna requires a minimum percentage of eligible employees to enroll in the offered plan. Standard requirements: at least 75% of eligible employees must enroll, or enough employees to meet a minimum number floor (typically 2 enrolled employees for very small groups). Employees who waive coverage because they have other qualifying coverage (a spouse's employer plan, Medicaid, Medicare) generally do not count against participation calculations.
Aetna small group plans in Florida are sold exclusively through licensed health insurance brokers and general agencies. You cannot enroll directly through Aetna's website as a small employer. The enrollment process through a broker typically involves:
Group coverage can begin any month of the year — small group enrollment is not limited to a fall open enrollment window like individual marketplace plans.
Yes. Aetna CVS Health offers small group health insurance plans for Florida employers with 1–50 eligible employees. Aetna is one of the major carriers in Florida's small group market, with particularly strong presence in South Florida (Miami-Dade, Broward, Palm Beach) and the Tampa Bay metro area.
Aetna offers HMO and Elect Choice EPO plans in the Florida small group market. HMO plans require a primary care physician and referrals. Elect Choice EPO plans offer broader network access without referral requirements. Aetna does not typically offer PPO plans in Florida's small group market.
Total monthly premiums range from approximately $380–$730 per enrolled employee depending on plan tier and employee age composition. Employers typically contribute 50–70% of the employee-only premium. A licensed broker can provide exact quotes based on your specific employee census and county.
Aetna small group plans are sold through licensed health insurance brokers. You cannot enroll directly through Aetna's website. A licensed Florida broker can compare Aetna's plans against other carriers and handle the group enrollment application at no additional cost to you.
Get side-by-side quotes from Aetna, Florida Blue, Ambetter, and other carriers serving your area.
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