VS Health Benefits builds group and small-business health plans for Miami-Dade employers — from 2-person shops to 25-person teams. We are independent and based in Miami, so we compare the whole market and set it up for you without the sales pressure.
From micro-group plans for 2 to 9 employees to full group coverage for growing Miami teams, we handle setup, implementation, and renewals — plus ACA options for owners and 1099 staff.
Affordable group plans for Florida trades, home services, dental practices, salons, and small offices. We handle implementation and renewals.
Small Employers
Tailored plans for very small Florida teams that don't fit traditional group thresholds. Real options with real coverage.
2-9 Employees
Marketplace plans for Florida residents with subsidy review. We make sure you're not leaving credits on the table or paying for the wrong tier.
Individuals
Coverage that works for Florida families with kids, partners, and parents. We compare network depth, deductibles, and out-of-pocket caps side-by-side.
Families
Standalone or bundled dental and vision options to round out your Florida benefits package or fill personal gaps.
Ancillary
Eligibility review and enrollment help for Florida residents. If Medicaid is your best path, we'll tell you straight — and walk you through it.
Public ProgramsNov 1, 2026 is your next chance to lock in individual or family ACA coverage in Miami. Get your documents ready.
Miami-Dade has one of the most competitive small-group insurance markets in Florida. The hard part isn't options — it's comparing them. We pull real quotes across carriers so you get the right plan for your team, not whoever pays the highest commission.
15-min call to understand your Florida team, family, budget, and any current pain points.
We pull side-by-side quotes from the carriers licensed in Florida that actually fit, not whoever pays the highest commission.
We handle paperwork, ID cards, and onboarding so you don't lose a day to it.
Year-round claim help, renewals, and adds/drops — all included, no surprise fees.
Already a VS Health Benefits client? Create a free member account to message your advisor, refer friends and family for a thank-you payout, and view your profile.
VS Health Benefits clients can earn a referral payout for every person they refer who enrolls. It's our way of saying thank you for spreading the word.
You must be an active VS Health Benefits client with a free member portal account to participate. Sign up or log in to get started.
Step oneOnce logged in, head to your refer tab and insert your friends, family, or colleagues information who may need coverage in Florida.
Step twoWhen your referred contact enrolls in a plan through VS Health Benefits, you receive a thank-you payout. No limits on how many people you can refer.
Step threeReferral payouts are available exclusively to active VS Health Benefits clients with a registered member portal account. You must be enrolled in a plan through us before referring others. Not a client yet? Get a quote first then refer away.
Real reviews from Google — from real clients we've helped.
Most carriers in Miami-Dade write group health plans starting at 2 enrolled employees. We also offer micro-group options for very small teams that don't fit traditional group thresholds.
Nothing. As an independent advisor, I'm compensated by the carriers when you enroll. Quotes, plan comparisons, setup, paperwork, and ongoing support are free to your business.
Owners can be covered on a group plan, and I can set up ACA or individual options for 1099 staff who aren't eligible for the group. We'll map the most cost-effective mix for your team.
Group plans can be started year-round in Miami — you're not limited to Open Enrollment. Individual and ACA plans follow the November 1 to January 15 window, plus Special Enrollment events.
Going direct only shows you that one carrier's plans. I compare the full market across major carriers in Miami-Dade and build what actually fits your team and budget — not what one company has to sell.
Most small-business groups can be quoted within a day or two and implemented by your target start date. I handle paperwork, ID cards, and employee onboarding so you don't lose a workday.
We set up group health coverage for employers in Miami, Hialeah, Doral, Coral Gables, Miami Gardens, Kendall, Homestead, Aventura, and North Miami — plus Broward County next door.
15-minute consult. No pressure. No fee.
Get a Free Group QuoteLicensed, independent, and based in Miami — serving Miami-Dade, Broward and Palm Beach.