Am I required to offer health insurance to my team?

No. Under the ACA, only employers with 50 or more full-time-equivalent employees are required to offer coverage. With fewer than 50 it is optional, but health coverage is the most-requested benefit when hiring, so it is often what wins and keeps good people.

Are the premiums tax-deductible?

Generally yes. Employer contributions to employee premiums are deductible as a business expense, and employee payroll deductions can often be pre-tax. Bernie is a licensed insurance advisor, not a tax advisor, so confirm the specifics with your CPA.

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Business Health Insurance, Built Around Your Team

Q: What will it cost me per employee?

For a Florida small group in 2026, employer cost commonly runs about $450 to $700 per employee per month, depending on plan design, employee ages, and how much of the premium you cover. Level-funded plans can cost less for a healthy team, and an ICHRA lets you set a fixed monthly amount per employee. You get exact numbers with a same-day quote.

Q: Can my LLC or S-corp qualify?

Usually yes. In Florida a business with at least one W-2 employee besides the owner can typically qualify for small-group coverage, and owner-only businesses often qualify for an individual plan or an ICHRA. Bernie confirms your exact setup before shopping the market.

Serving owners in all 31 states we are licensed in — private coverage customized to your requirements, spending capacity, and way of life.

Bernie Sobalvarro, business health insurance specialist

For Business Owners

Coverage Built Around Your Team & Your Budget

Group, Level-Funded & ICHRA — Explained Plainly

There is no one-size-fits-all plan. I will walk you through your real options — a fully-insured group plan, a level-funded plan that can lower cost for a healthy team, or an ICHRA that lets you fund employees' own individual coverage tax-free — and tell you straight which one fits your headcount, budget, and goals.

One Advisor, Start to Finish

I am a licensed advisor, not a call center. I compare carriers like Florida Blue, Aetna, and UnitedHealthcare, handle the paperwork and enrollment, and stay on as your team's contact for claims and renewals. Get a same-day quote and I will tell you honestly whether group or individual coverage is the smarter move.

Book a Business Discovery Call ↗

Coverage Options

Health · Dental · Vision

Health

Any Doctor, Any Hospital!
24-hour coverage, on or off the job
Portable coverage
Quality coverage for periods of critical illness
Wellness & health screening benefits available

Dental

3 plans tailored for your needs
Preventative dental care coverage
Basic dental care coverage
Major dental services available
Orthodontic care services available

Vision

Up to 84% savings on vision services
Over 71,000 providers to choose from
Comprehensive eye exam coverage
Corrective lenses & contacts coverage
Annual allowance towards frames

Why Offer Benefits

The Business Case Is Simple

$0Broker fees — carriers pay me, your premium is identical

100%Employer premium contributions are generally tax-deductible

#1Health coverage is the most-requested benefit when hiring

2–4 wksFrom same-day quote to active coverage

The Modern Option

How an ICHRA Works

Cover your team without running a group plan: you set the budget, they choose the plan, and everyone comes out ahead on taxes.

You set a monthly budget

Choose a tax-free amount to contribute per employee. You stay in control of the cost.

Your team picks their plan

Each employee chooses the individual plan that fits their family and doctors.

You reimburse tax-free

Reimbursements are tax-deductible for you and tax-free for your team.

Small Business Group Health Cost Estimator

Ballpark your monthly and annual cost as the employer.

Number of enrolled employees Plan level Your contribution: 75% of employee-only premium

$1,875

Your cost / month

$22,500

Your cost / year

$5,625

Est. annual tax deduction*

*Assumes a 25% effective tax rate and fully deductible employer contributions. Estimates only — premiums vary by ages, location, and carrier. Not tax advice; confirm with your CPA. Get your real numbers →

Owners Ask Me

Small Business FAQs

Am I required to offer insurance to my team?+

Not under 50 full-time-equivalent employees. But carriers usually require you to cover at least half the employee-only premium — and offering coverage is the most powerful retention tool a small business has.

What will it cost me per employee?+

Roughly $300–$700 per employee per month before your contribution split. Run your numbers in the cost estimator →

Can my LLC or S-corp qualify?+

Yes — structure is not the obstacle. You need at least one eligible W-2 employee besides yourself on the plan.

Are premiums tax-deductible?+

Generally yes, as a business expense — and businesses under 25 FTEs may qualify for the Small Business Health Care Tax Credit. Confirm specifics with your CPA.

All FAQs + Cost Calculator →

Ready to Feel Confident About Your Coverage?

Call, book, or send the form — Bernie personally answers.
(305) 680-0125 · 8050 SW 10th St, Plantation, FL 33324

Get a Quote → Call Now ↗