Before subsidies, the benchmark silver plan for a 40-year-old in Hillsborough County cost about $648 a month for 2026, and the Florida average for 2027 is $738 a month. Premium tax credits bring that down for many households, depending on income and family size. 8 insurers offered marketplace plans in Hillsborough County for 2026.
Small business owners near Tampa can use a benefits broker to set up group health insurance, an ICHRA or a QSEHRA. These 10 firms focus on employee benefits, sorted by distance from Tampa.
Small Business & Group Health Insurance Brokers near Tampa
Licensed agents can compare plans available in Hillsborough County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Tampa
- Networks worth checking before you pick a plan in Tampa are Tampa General Hospital, BayCare (which runs St. Joseph's Hospital) and AdventHealth (AdventHealth Tampa and AdventHealth Carrollwood). Source
- St. Joseph's Hospital in Tampa is part of the BayCare health system. Source
- AdventHealth Tampa, formerly Florida Hospital Tampa, is AdventHealth's main hospital in the city. Source
- Public health in Tampa is handled by the Florida Department of Health in Hillsborough County, which offers clinical, nutrition and infectious disease services. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Self-employed with no employees?
Group plans usually need at least one non-owner employee. Solo owners typically buy individual coverage, often with a premium tax credit.
Options for small employers
Traditional small-group plans, level-funded plans, ICHRAs (employees buy individual plans with tax-free employer money) and QSEHRAs for businesses under 50 employees.
Do I need a minimum number of employees?
Small-group rules vary by carrier and state. Many carriers write group plans for businesses with as few as one or two employees besides the owner; a broker can tell you what's available in Florida.
Frequently asked questions
How much does small business health insurance cost in Florida?
Premiums depend on employee ages, location, plan design and how much the employer contributes. A benefits broker can quote several carriers and funding options side by side.
What is an ICHRA?
An individual coverage HRA lets an employer give employees tax-free money to buy their own individual health plans. It works for businesses of any size.
Do benefits brokers charge employers?
Most are paid commissions by the insurer. Some charge consulting fees for larger groups or extra services; ask before you sign.
Small business in nearby cities
- Brandon, FL 10 miles
- Lutz, FL 10 miles
- Thonotosassa, FL 10 miles
- Seffner, FL 10 miles
- Westchase, FL 11 miles
- Cheval, FL 11 miles
- Gibsonton, FL 12 miles
- Pebble Creek, FL 13 miles
- Keystone, FL 13 miles
- Bloomingdale, FL 14 miles