Health Insurance for Small Businesses in Jacksonville: What 5+ Employees Gets You

If you own a small business in Jacksonville or Northeast Florida and have at least five employees, you may qualify for a true group health insurance plan—and open the door to better benefits for your team.

But what exactly does that look like?

Group Coverage: What You Get With 5+ Enrolled

✅ Access to major insurance carriers that don’t offer individual plans
✅ Tax-advantaged premiums (usually pre-tax)
✅ No health questions or medical underwriting
✅ Option to include dental, vision, life, and supplemental coverage
✅ Competitive recruiting and retention tool in a tight job market

We help employers in Duval, Clay, St. Johns, and Nassau Counties offer health plans that work—without overwhelming paperwork.

Frequently Asked Questions (FAQ)

Group Health Insurance for Small Businesses in Northeast Florida

What qualifies my business for group health insurance?

If your business has at least 5 full-time W-2 employees enrolled, you may qualify for a true group health insurance plan—even if you’re a small local business.

Do 1099 contractors count toward the 5-employee minimum?

Not typically. Group health plans generally require W-2 employees. However, we can help you explore options for covering owners and contractors separately.

What are the benefits of offering group coverage?

Group plans give access to major carriers, often come with pre-tax premium advantages, and can include dental, vision, life, and supplemental coverage. They're also a strong recruiting and retention tool in today’s job market.

Is there medical underwriting for small group plans?

No—group plans do not require health questions or medical underwriting, which makes them more inclusive and predictable for employers.

What if I have fewer than 5 employees now?

We’ll help you understand your current options and what steps to take so you’re ready to offer group coverage in the future as your team grows.

Can owners or family members be covered?

Yes, but it depends on your business structure and number of W-2 employees. We’ll guide you through the rules to ensure you’re compliant and covered.

How do I get started?

Visit our Group Benefits page, and download our Census Template to get a quote started. Or call our local team—we’re happy to walk you through it.

What If You Don’t Have 5 Full-Time Staff?

We’ll walk through:

• Whether 1099 contractors count

• Alternative coverage for owners and families

• How to plan ahead for future eligibility

📍 Get started on our Group Benefits page and download our Census Template to explore your options.

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