Orange County (Orlando) small group health insurance costs in 2026 range from approximately $385–$495 per employee per month for Bronze HMO to $555–$705 for Gold HMO. Orange County is mid-range for Florida — more affordable than South Florida markets but with strong carrier competition from Oscar and Ambetter that often produces the lowest Bronze and Silver premiums of any major Florida metro. Strong broker comparison shopping frequently yields savings of 10–20% versus auto-renewal.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $385–$495 | $250–$322 | $135–$173 |
| Silver HMO | $460–$590 | $299–$384 | $161–$207 |
| Gold HMO | $555–$705 | $361–$458 | $194–$247 |
Shopping group health for your team
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $7,176–$9,216/year |
| 5 employees | $17,940–$23,040/year |
| 10 employees | $35,880–$46,080/year |
| 20 employees | $71,760–$92,160/year |
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