Volusia County (Daytona Beach, Deltona, Ormond Beach, DeLand) small group health insurance costs in 2026 range from approximately $365–$465 per employee per month for Bronze HMO to $525–$660 for Gold HMO. Volusia County rates are mid-range for Central Florida — typically 5–8% below neighboring Seminole and Orange counties. Florida Blue and Aetna are the primary carriers. AdventHealth Daytona Beach and Halifax Health provide strong hospital network coverage. The county's tourism and healthcare-adjacent workforce creates solid demand for small group plans.
| Plan Tier | Total Monthly Premium | Employer Cost (65%) | Employee Cost (35%) |
|---|---|---|---|
| Bronze HMO | $365–$465 | $237–$302 | $128–$163 |
| Silver HMO | $435–$555 | $283–$361 | $152–$194 |
| Gold HMO | $525–$660 | $341–$429 | $184–$231 |
| Business Size | Annual Employer Cost Range |
|---|---|
| 2 employees | $6,792–$8,664/year |
| 5 employees | $16,980–$21,660/year |
| 10 employees | $33,960–$43,320/year |
| 20 employees | $67,920–$86,640/year |
Volusia County premiums are typically 5–10% lower than Orange County on comparable plans. For a 10-person business, Volusia Silver HMO at 65% contribution runs approximately $33,960–$43,320/year versus $35,880–$46,080/year for Orange County — a savings of $1,900–$2,760/year. Businesses in Deltona or DeLand that have employees commuting into Seminole or Orange County should confirm that their plan's network covers Orlando-area providers they expect to use.
Yes — AdventHealth Daytona Beach, Halifax Health Medical Center, and AdventHealth Fish Memorial (Orange City) are in-network for both Florida Blue and Aetna in Volusia County. Both carriers provide adequate primary care coverage throughout the Daytona Beach–Deltona–Ormond Beach corridor. For specialty care, Florida Blue's broader statewide network is an advantage for employees who travel or seek specialty treatment in Orlando or Jacksonville.
At 25% effective tax rate, the after-tax employer cost is approximately 75% of gross premiums under IRC §162. For a 10-employee Volusia business paying $33,960–$43,320/year in Silver HMO employer contributions, after-tax cost is approximately $25,470–$32,490. A Section 125 cafeteria plan reduces employee contributions by the FICA rate (7.65%), saving approximately $1,320–$1,680/year for 10 employees — a benefit both employer and employee share.
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