Osceola County (Kissimmee, St. Cloud) 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. Osceola County rates are slightly lower than neighboring Orange County (Orlando) and represent solid mid-range value in the Central Florida market. Florida Blue and Aetna are the primary carriers; the tourism-driven workforce means many Osceola employers are offering coverage for the first time — making broker guidance especially valuable.
| 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 |
Shopping group health for your team
| 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 |
See exact 2026 premium costs for your Kissimmee or St. Cloud business — no cost, no obligation.
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