Florida Small Group Health Insurance 2027: How to Choose

Florida · Small group · 2027

Florida Small Group Health Insurance: 2027 Carriers, Plans and Rates

Updated October 8, 2026

Six carriers filed 2027 small group plans in Florida, and one is leaving. Florida Blue, UnitedHealthcare, Capital Health Plan, Florida Health Care Plans, AvMed and Truli for Health are selling. National Health Insurance Co. (Allstate Benefits / Nationwide) is not.

Proposed 2027 increases run from about +8.4% (Truli for Health) to about +15.5% (UnitedHealthcare). The carriers table lists every brand. Regulators can still lower them.

Get quotes from all six carriersFree. We quote the carriers that didn't publish prices.

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Which carriers sell small group health plans in Florida?

One row per brand. Proposed change is each company's average as filed on ratereview.healthcare.gov. Regulators can still lower them.
CarrierNetworks and plan typesWhere it sells2027 plan designsProposed 2027 changePrices
Florida BluePPO/EPO: Blue Cross and Blue Shield of Florida · HMO: Health Options, Inc.Networks and plan typesStatewide PPO/EPO entity; HMO in 55 counties (2026)Where it sellsNot published in public filings2027 plan designsNot publicProposed 2027 change+9.9% to +11.1%PricesQuote only
UnitedHealthcareUnitedHealthcare Insurance Co. · Neighborhood Health Partnership · UnitedHealthcare of FloridaNetworks and plan typesHMO, POS and EPO options; all 67 counties (2026)Where it sellsNot published in public filings2027 plan designsNot publicProposed 2027 change+13.5% to +15.5%PricesQuote only
Capital Health PlanNetworks and plan typesHMOWhere it sellsTallahassee and eight Big Bend counties2027 plan designsNot publicProposed 2027 change+8.9%PricesQuote only
Florida Health Care PlansNetworks and plan typesHMOWhere it sellsBrevard, Flagler, Seminole, St. Johns, Volusia2027 plan designsNot publicProposed 2027 change–PricesQuote only
AvMedNetworks and plan typesHMO (Flex, Elect, Elite)Where it sells52 counties; not the western Panhandle2027 plan designsNot publicProposed 2027 change+8.8%PricesQuote only
Truli for HealthNetworks and plan typesHMO built with local health systemsWhere it sells18 counties (2026)2027 plan designsNot publicProposed 2027 change+8.4%PricesQuote only
National Health Insurance Co. (Allstate Benefits / Nationwide)Networks and plan typesFully insured PPOWhere it sellsStatewide2027 plan designs–Proposed 2027 change–PricesLeaving

On a National Health Insurance Co. (Allstate Benefits / Nationwide) plan?

National Health (Allstate Benefits / Nationwide) stopped new Florida small-group sales in December 2025 and filed no 2027 rates. In-force groups are non-renewed at their 2027 renewal.

Find a replacement carrier

  1. Check your renewal date. National Health Insurance Co. groups get a non-renewal notice at least 180 days before it.
  2. Match your network. Compare Florida Blue, UnitedHealthcare and the regional HMOs in your county on the doctors and hospitals your employees use.
  3. Tell employees early. The carrier notifies you and your broker; telling staff is up to you.
  4. Ask about continuity of care for anyone in active treatment.

What's changing for Florida small group health insurance in 2027?

  1. Average proposed 2027 changes range from +8.4% to +15.5%, as filed. Your group's change also depends on employee ages and the plan you pick.

  2. Florida treats small-group rate tables as trade secrets. No carrier’s 2027 unit prices are public; this page shows proposed percent changes.

  3. Allstate Benefits (now Nationwide) stopped selling fully insured small-group plans in Florida and filed nothing for 2027.

  4. Florida approved a 2027 small-group filing for FHCP, but no federal rate review was posted. Confirm 2027 availability with a broker.

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Florida small group rules employers ask about

Who counts as a small employer

  • 1 to 50 employees, averaged over last year’s business days, with at least one employee on day one.
  • Owner-only and family-only businesses go to the individual market.

Fla. Stat. § 627.6699(3); Florida DFS small group carrier list

How premiums are set

  • By age, tobacco, county and plan. Carriers can’t use health status.
  • Composite premiums are allowed only for groups of 10 or more.

45 CFR §147.102; Fla. Stat. § 627.6699(6)(b)

When you can enroll

  • Any month if you meet participation and contribution rules.
  • Miss those rules and you can still enroll November 15 to December 15 for a January 1 start.

45 CFR §147.104; Fla. Stat. § 627.6699(5)(e)

Tax credit and SHOP

  • Pays up to 50% of premiums (35% tax-exempt) for fewer than 25 FTEs.
  • No Florida carrier sold through SHOP in 2026, so most employers can’t claim it.

IRS Small Business Health Care Tax Credit; FLOIR 2026 small group county table

Florida small group health insurance FAQ

  1. Florida Blue, UnitedHealthcare, Capital Health Plan, Florida Health Care Plans, AvMed and Truli for Health filed 2027 small-group plans. Leaving for 2027: National Health Insurance Co. (Allstate Benefits / Nationwide).

  2. Proposed averages run from +8.4% to +15.5%, depending on the carrier. Regulators can still lower them.

  3. Their 2027 rate tables aren't public in the state's filing system. We can quote them for your group.

  4. Yes, if that employee is not an owner. Owner-only and family-only businesses use the individual market.

  5. Only with 10 or more employees. Smaller Florida groups are priced per employee by age.

Small group health insurance in other states

Buying for yourself or your family instead? See the Marketplace plan directory.

Where these numbers come from

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is a licensed broker, not a carrier or government agency. Rates shown are filed 2027 rates for one employee before the employer contribution. Your group's quote depends on employee ages, location, plan choice and carrier rules. Proposed rate changes can still be lowered by regulators.