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

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

Duval County — Jacksonville — is Florida's largest city by area and a hub for financial services, logistics, military support, and healthcare. Jacksonville small businesses benefit from some of Florida's most affordable small group health insurance rates. Florida Blue is dominant in the Duval County market, with Baptist Health and UF Health Jacksonville as the primary health systems. Aetna and UnitedHealthcare are also available.

Steps to Set Up Group Coverage in Duval County

1. Confirm group eligibility. Minimum 2 enrolled employees for small group. 70% participation required (employees with other coverage may waive).
2. Request quotes from Duval County carriers. Florida Blue has the broadest Jacksonville network including Baptist and UF Health. Aetna and UHC are worth comparing for price.
3. Choose your plan and contribution. Jacksonville's lower cost structure means you get more coverage per dollar than South Florida. A Silver HMO at 75% employer contribution is typical for Jacksonville-area businesses that want to attract quality staff.
4. Complete enrollment. Submit application by mid-month; coverage starts 1st of following month. Set up payroll deductions for employee contributions.

Duval County Small Group Premium Ranges