Brevard County (Space Coast) small group health insurance costs in 2026 range from approximately $370–$475 per employee per month for Bronze HMO to $535–$675 for Gold HMO. Brevard County has a competitive market with Florida Blue, Aetna, and Health First Health Plans offering options. Space Coast employers — particularly those competing with aerospace and defense contractors for technical talent — typically invest in Silver or Gold plans with strong employer contributions.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $370–$475 | $241–$309 | $130–$166 |
| Silver HMO | $445–$565 | $289–$367 | $156–$198 |
| Gold HMO | $535–$675 | $348–$439 | $187–$236 |
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $6,936–$8,808/year |
| 5 employees | $17,340–$22,020/year |
| 10 employees | $34,680–$44,040/year |
| 20 employees | $69,360–$88,080/year |
Health First Health Plans can offer competitive pricing in Brevard County — particularly for businesses whose employees primarily use Health First facilities. It may price lower than Florida Blue on Bronze and Silver tiers for employers in the Cocoa/Melbourne/Palm Bay area. Compare Health First quotes alongside Florida Blue and Aetna to see which is most cost-effective for your specific employee base.
Brevard County healthcare costs are mid-range for Florida — generally lower than South Florida but higher than some rural Central Florida counties. The county's active elderly population contributes to higher utilization rates. For cost control, Bronze HDHP plans paired with employer HSA contributions are popular among Space Coast tech employers as a cost-effective way to provide meaningful benefits.
Yes — employer premiums are 100% deductible under IRC §162. A Section 125 cafeteria plan saves FICA taxes (7.65%) on employee pre-tax contributions. For a 10-person business paying $35,000/year in premiums at a 25% tax rate, the after-tax cost is approximately $26,250 — before Section 125 FICA savings.
See exact 2026 premium costs for your Space Coast business — no cost, no obligation.
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