Updated April 2026 · Florida Plan Finder · Licensed Florida Health Insurance Producer

Telehealth Coverage for Small Business in Florida

Telehealth — virtual doctor visits via video or phone — is now a standard benefit in virtually every Florida small group health insurance plan. In 2026, all major Florida small group carriers (Florida Blue, Aetna, UHC, Oscar, Ambetter) include telehealth as part of their base plan offerings. For small Florida businesses, telehealth meaningfully increases the value of group coverage without increasing premiums — and for employees who avoid in-person visits due to cost, wait times, or geography, it's frequently the most-used benefit outside of preventive care.

What Telehealth Is Covered in Florida Small Group Plans

Standard telehealth coverage in Florida small group plans typically includes:

• Virtual primary care visits — diagnosis and treatment of common illnesses (URI, UTI, sinus infections, minor injuries)
• Mental health and behavioral health — therapy and psychiatry via video; often covered at parity with in-person visits under the Mental Health Parity Act
• Urgent care-equivalent visits — conditions that don't require an ER but need same-day attention
• Prescription management — follow-up visits for medication management for chronic conditions
• Dermatology and specialty consults — available on some plans; Oscar and UHC are particularly strong in virtual specialty access

Telehealth Programs by Carrier

Each major Florida carrier includes telehealth through their own platform or a third-party partner:

• Florida Blue — Teladoc Health; $0 copay for general medical visits on most plans; mental health visits may have standard cost-sharing
• Aetna — MinuteClinic Virtual Care and Teladoc; $0–$10 copay on most small group plans
• UHC — Virtual Visits powered by Optum; $0 copay for primary care on most plans
• Oscar — Oscar Care virtual platform with $0 copay on most plan tiers; Oscar's Care Team concierge model integrates telehealth as a first-step triage
• Ambetter — MeMD/Teladoc partnership; $0 or low copay for most member visits

Telehealth and High-Deductible Plans (HDHP)

For small businesses offering Bronze HDHP plans paired with HSAs, telehealth cost-sharing rules changed under federal law. As of 2026, telehealth visits can be provided at $0 cost-sharing before the deductible is met without jeopardizing HSA eligibility (this safe harbor has been extended through 2026). Employees on an HDHP can use telehealth for sick visits without affecting their HSA contribution eligibility.