Updated April 2026 · Florida Plan Finder · Licensed Florida Health Insurance Producer

How Much Does Group Health Insurance Cost Per Employee in Florida?

For Florida small businesses in 2026, the total cost of group health insurance — the combined employer and employee premium — ranges from roughly $370 to $750 per enrolled employee per month, depending on plan tier (Bronze, Silver, Gold), coverage type (HMO vs. PPO), geographic market, and the specific carrier. Most employers pay 50–80% of the total premium; the employee pays the rest pre-tax via payroll deduction. The following breakdown covers what Florida small businesses can expect to budget per employee.

Florida Small Group Premium Ranges by Plan Tier (2026)

Plan Tier	Total Premium/Month/Employee	Typical Employer Share	Employee Share
Bronze HMO	$370–$510	$220–$360	$100–$200
Silver HMO	$440–$600	$260–$430	$130–$230
Gold HMO	$540–$730	$320–$520	$160–$260
Silver PPO	$520–$700	$310–$500	$150–$260

Shopping group health for your team

(877) 417-2421

Cost Variation by Florida Region

Region	Bronze HMO Range	Silver HMO Range	Notes
Miami-Dade, Broward, Palm Beach	$420–$540	$500–$630	Florida's highest-cost markets
Hillsborough, Pinellas	$385–$500	$455–$580	Tampa Bay — above average
Orange, Seminole, Osceola	$375–$490	$450–$575	Orlando metro — mid-range
Lee, Collier, Sarasota	$380–$500	$455–$580	Southwest FL — moderate
Duval, Brevard	$370–$480	$450–$575	Northeast/Space Coast — lower
Alachua, Marion, Volusia	$360–$475	$440–$565	Florida's most affordable markets

What Affects the Cost

Plan tier: Bronze plans have the lowest premiums but highest out-of-pocket costs for employees. Gold plans cost more in premium but less when care is used.
HMO vs. PPO: HMO plans are 10–20% cheaper than PPO but restrict out-of-network access. Most Florida small groups use HMO.
Employee demographics: Age is the primary rating factor. A workforce of 25-year-olds costs significantly less than a workforce of 55-year-olds.
Carrier: Florida Blue has the broadest network and often competitive rates for small groups. Aetna, UHC, Oscar, and Ambetter may undercut on price in specific markets.
Group size: More employees generally means better rates within the small group market (2–50 employees).

Get Group Health Insurance Quotes for Your Florida Business

Compare actual premium costs from Florida's top small group carriers for your team size.

Get Premium Quotes

Licensed Florida Health Insurance Producer · NPN #21249133Information on this page is for general reference and is updated regularly. Verify current plan availability and costs at HealthCare.gov before enrolling.