Small business health insurance in Coral Gables that keeps your best people without wrecking your budget.

Two. Most carriers writing business in Miami-Dade County issue small-group health plans starting at 2 enrolled employees, and the owner can count as one of them. If your Coral Gables team is smaller than that or is mostly 1099, we build an ACA or individual strategy instead so nobody goes without coverage.

Most Miami-Dade small groups land between roughly $400 and $760 per employee per month, driven by plan tier, network breadth and the ages on your team. You decide how much of that the business pays — many Coral Gables employers cover 50 to 100 percent of the employee-only premium and let staff buy up for dependents. Businesses under 25 employees with lower average wages may also qualify for the Small Business Health Care Tax Credit, worth up to 50 percent of what you contribute. A free quote gives you your actual number in about a day.

Nothing. We are an independent advisor compensated by the carrier when you enroll — the same premium you would pay going direct. Quotes, plan comparisons, enrollment meetings, paperwork, ID cards, claims help and renewals are all free to your Coral Gables business.

That depends entirely on the network you choose, which is why we check it first. Your team will likely want Doctors Hospital (Baptist Health), UHealth Tower and the University of Miami health campus, and Baptist Hospital of Miami in network. We verify participation for those specific facilities on every plan before we present it to you, rather than after you have signed.

Owners can go on the group plan. 1099 contractors generally cannot, but they can often do better on an ACA marketplace plan with a subsidy review — sometimes at a lower net cost than the group. Plenty of Coral Gables businesses run exactly this split, and we set both sides up in the same conversation.

No. Group health plans can start any month of the year in Coral Gables. The November 1 to January 15 Open Enrollment window applies to individual and ACA marketplace plans, not to employer group coverage. If you want a January 1 effective date, we should be talking by mid-November.

Calling Florida Blue gets you Florida Blue's plans. We quote every major carrier writing in Miami-Dade County side by side, compare the networks against where your employees actually live, and build the combination that fits your budget. Same price, more options, and someone in your corner at renewal.

Most Coral Gables small groups get a full comparison within one business day of sending a simple employee census, and coverage typically starts on the first of the following month. We handle the carrier paperwork, employee enrollment meetings and ID card distribution so you do not lose a workday to it.