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

How to Offer Health Insurance to Employees in Broward County, Florida

Broward County small businesses — from Fort Lauderdale's international business corridor and Pembroke Pines' suburban retail to Hollywood's diverse service economy and Coral Springs' professional services sector — can set up group health insurance quickly and cost-effectively. Broward is a competitive insurance market with Florida Blue, Aetna, UnitedHealthcare, Oscar, and Ambetter all offering small group products. The larger number of competing carriers often translates to better pricing than less competitive Florida markets.

Steps to Set Up Group Coverage in Broward County

1. Confirm eligibility. Minimum 2 enrolled W-2 employees for Florida small group. Owner counts if working full-time in the business. At least 70% of eligible employees must enroll (waiving for other coverage counts toward this threshold).
2. Request quotes. A licensed Broward County broker pulls quotes from all available carriers. Broward rates are higher than Central Florida but competition among carriers keeps pricing dynamic.
3. Choose your plan and contribution. Select the plan tier and decide employer contribution percentage. Florida law doesn't set a required minimum employer contribution, but most carriers require the employer to pay at least 50% of the employee-only premium.
4. Enroll and begin coverage. Complete carrier enrollment forms. Coverage begins on the agreed effective date — typically the 1st of the month following submission.

Broward County Small Group Premium Ranges