Your business has many group health insurance options. We can help you sort them out and save money in the process.

Over 50 Full-Time Employees?

Florida businesses with more than 50 full-time equivalent employees can only purchase group health insurance outside of the government-run marketplace. For larger businesses, purchasing group insurance works mostly the same as it did prior to the October 2013 enactment of the Affordable Health Care Act – except that new minimum coverage requirements are now in effect. You will need to contact a licensed Florida insurance agent to discuss your needs and to tailor a plan for your unique business and employee requirements.

However, if your business has fewer than 50 full-time employees, then you may now purchase group health insurance at the’s SHOP Marketplace.

The SHOP Marketplace For Small Businesses

The Small Business Health Options Program (SHOP) Marketplace helps businesses provide health coverage to their employees.

For 2018, the SHOP Marketplace is open to all Florida employers with 50 or fewer full-time-equivalent employees (FTEs). If you have fewer than 25 employees, you may qualify for tax credits if you buy insurance through SHOP.

Learn more about more about SHOP eligibility rules on the website.

If you’re self-employed with no employees, you can get coverage through the individual market Health Insurance Marketplace, but not through SHOP.

More details about the SHOP marketplace:

  • In 2018, SHOP is open to employers with 50 or fewer full-time equivalent (FTE) employees.
  • In order to use SHOP, you must offer coverage to all of your full-time employees – generally those working 30 or more hours per week on average.
  • In Florida, at least 70% of your full-time employees must enroll in your SHOP plan. Employers who apply for SHOP coverage between November 15 and December 15 each year can enroll without meeting this participation requirement.
  • There is a SHOP Marketplace in Florida. You must have an office or employee work site within the SHOP’s service area to use that particular SHOP.

Using insurance agents/brokers in the SHOP Marketplace

You can use a licensed agent or broker to provide help or handle your SHOP marketplace requirements. NOTE: You won’t pay more if you use a SHOP agent or broker.

Get SHOP Help from Experienced Agents or Brokers

A licensed agent or broker can help you:

  • apply for insurance for your employees
  • review and compare price, coverage, quality, and other important features
  • choose a plan that works for your budget, business, and employees

You Pay the Same, With or Without an Agent

The premiums you pay will be the same with or without the help of agents or brokers. Agents and brokers are paid by the insurance companies whose policies they sell.


  1. How many employees will be covered?

    If your business employs more than 50 full time equivalents, then you will face a penalty if you do not offer them health insurance.