Duval County (Jacksonville) 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. Jacksonville is one of Florida's more affordable major metro markets for small group coverage — rates are typically 15–25% below Miami-Dade and 10–15% below Broward. Florida Blue and Aetna are the primary carriers, and competition keeps rates competitive for North Florida's largest city.
| 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 |
Duval County (Jacksonville) and neighboring St. Johns County (Ponte Vedra, St. Augustine) and Nassau County (Fernandina Beach, Yulee) are separate rating areas. Rates are broadly similar in the Northeast Florida region, though each county may have small rate differences based on local utilization. For businesses near county lines, your county of registration determines which rating area applies.
Yes — Duval County is among the most affordable major metro markets in Florida for small group coverage. Jacksonville consistently offers lower small group premiums than Miami, Fort Lauderdale, or the Orlando metro. The Jacksonville market's lower healthcare utilization rates and more moderate provider pricing drive better rates for employers.
All employer-paid premiums are 100% deductible under IRC §162. A Section 125 plan saves FICA taxes on employee contributions. For a Duval County business paying $35,000/year in premiums at 25% tax rate, after-tax cost is approximately $26,250 before Section 125 savings.
See exact 2026 premium costs for your Jacksonville-area business — no cost, no obligation.
Get My Quote