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Florida

Florida Small Business Health Insurance

There are different Florida health insurance laws regarding small businesses and the self-employed. Often, these types of health insurance policies are easier to qualify for than an individual health insurance policy, especially if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in Florida.

  • Briefly explains self-employed Florida health insurance.

  • Alerts you to a beneficial tax deduction.

We also have a guide to Florida health insurance for families and individuals.


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Florida small business health insurance regulations

Florida small business health insurance laws require Florida health insurance companies to sell any small business a group health insurance policy. Also, the same small group health insurance policy sold to other small businesses must also be made available to every other eligible Florida small business. To be eligible, the small business must have at least 2 employees but not more than 50.

Florida health insurance companies, however, can mandate minimum participation requirements, should they choose to do so. Under this stipulation, a certain percentage of the group members must purchase the offered health insurance policy or the entire health insurance policy for the small business will be rescinded.

Although Florida health insurance companies are required to sell all small businesses health insurance if the above requirements are met, the price of Florida small business health insurance is regulated on a limited basis only.

Premiums for Florida small business health insurance can be more due to the group's age, family size and gender, and other factors, but not because of health status.

Furthermore, as a protection for groups insured under small business health insurance, Florida health insurance regulations do not allow policies to be canceled because one of the insured individuals falls ill.

Self-employed Florida health insurance regulations

Different states have different rules for dealing with health insurance for the self-employed. In Florida, the owner of a small business can purchase a Florida small business health insurance policy, even if there are no other employees.

As a self-employed individual you can either purchase a Florida small business health insurance policy or you can buy an individual Florida health insurance policy. Both have advantages.

If you chose the former, the protections and advantages of having small business health insurance is guaranteed. If you chose the latter, part of your premiums can be deducted from your taxes.

More FL small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about FL group health insurance laws and regulations, visit the official website of the Florida Department of Regulatory Agencies, Insurance Division.





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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.