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Small Business & Group Health Insurance Brokers in Florida

471 cities · HealthCare.gov · coverage for people under 65

Before subsidies, the average benchmark silver plan for a 40-year-old in Florida costs $738 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.

This page lists small business benefits brokers across Florida by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.

How health insurance works in Florida

People in Florida buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Florida Medicaid is the state's Medicaid program; the state has not expanded Medicaid to most low-income adults. For 2027, marketplace plans in Florida come from 10 insurers: Florida Blue (BCBS of Florida / Health Options), AmeriHealth Caritas, AvMed, Capital Health Plan, Ambetter (Centene Venture; Sunshine State members transition in), Florida Health Care Plans, Health First, Oscar Health, UnitedHealthcare and Wellpoint (Simply Healthcare). Not every insurer sells in every county. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.

Agent licensing in Florida

  • The Florida Department of Financial Services is the state agency that licenses insurance agents, including health agents, in Florida. Source
  • Florida's Department of Financial Services runs a free online Licensee Search. It shows an agent's contact details, valid licenses, active appointments and the insurers the agent can write with. Source
  • Florida issues a dedicated Health Agent license (the 2-40 resident health license), which allows an agent appointed by an insurer or HMO to solicit and place health insurance coverage. Source

Free enrollment help in Florida

HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.

Compare plans statewide

Licensed agents can quote plans from multiple Florida carriers in one call.

Call 866-645-8540

Small business by city in Florida

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Call 866-645-8540Licensed agents · free plan comparison