Seminole County (Sanford, Altamonte Springs, Lake Mary) small group health insurance costs in 2026 range from approximately $375–$480 per employee per month for Bronze HMO to $540–$680 for Gold HMO. Seminole County rates are very similar to Orange County (Orlando) — typically within 3–5% on comparable plans. The carrier landscape includes Florida Blue, Aetna, Oscar, and Ambetter, providing meaningful competition. Seminole's tech and professional services economy creates a workforce that places high value on plan quality alongside cost.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $375–$480 | $244–$312 | $131–$168 |
| Silver HMO | $450–$570 | $293–$371 | $158–$200 |
| Gold HMO | $540–$680 | $351–$442 | $189–$238 |
Shopping group health for your team
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $7,032–$8,904/year |
| 5 employees | $17,580–$22,260/year |
| 10 employees | $35,160–$44,520/year |
| 20 employees | $70,320–$89,040/year |
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