Florida Small Business Health Insurance 2027: Up 12.9%

Small Business

Florida small group health premiums average $920 per person a month in 2027, up 12.9% from $813, per state regulators. Carrier changes and renewal steps.

By Brian D'Antoni November 4, 2026 6 min read

Florida small businesses that buy health coverage for their teams should plan for a bigger bill in 2027. State filings show the average monthly premium per person in Florida's small group market rising from $813 in 2026 to $920 in 2027, a weighted average increase of 12.9 percent across the nine insurers in the table.

The figures come from the Florida Office of Insurance Regulation's 2027 small group ACA premium table, dated Oct. 16, 2026. For owners in Broward, Palm Beach, Miami-Dade and the rest of the state, that one number is a useful planning anchor for budgets, raises and benefit decisions heading into renewal season.

How much will Florida small business health insurance cost in 2027?

Florida regulators list an average small group premium of $920 per person per month for 2027, up from $813 in 2026, a 12.9 percent weighted average increase. Each employer's actual change will differ, because the state says the averages are based on overall enrollment and do not represent the change for any single policyholder.

What the State Table Shows

The Office of Insurance Regulation publishes the small group table for plans that comply with the Affordable Care Act, the federal law also known as PPACA. The 2027 table lists nine companies and their approved average changes:

AvMed: $782 to $851, up 8.8 percent
Behealthy Florida: $520 to $565, up 8.7 percent
Blue Cross and Blue Shield of Florida: $845 to $945, up 11.8 percent
Capital Health Plan: $809 to $881, up 8.9 percent
Florida Health Care Plan: $710 to $773, up 8.8 percent
Health Options: $697 to $770, up 10.4 percent
Neighborhood Health Partnership: $799 to $933, up 16.7 percent
UnitedHealthcare Insurance Company: $911 to $1,069, up 17.4 percent
UnitedHealthcare of Florida: $894 to $1,044, up 16.8 percent

The weighted average gives more weight to companies with more members, which is why the statewide figure of 12.9 percent sits above the simple middle of the list. The range runs from 8.7 percent to 17.4 percent, so the carrier a business already uses matters a great deal.

Read the Fine Print on the Table

Three notes in the state's document shape how owners should use it.

First, the percent changes are based on actual 2026 enrollment and, in the state's words, do not represent the percent difference for a single certificate holder. A company with an older workforce, a different plan level or a different county may see a larger or smaller change.

Second, the column is labeled as the change approved at anniversary. Small group plans renew on the employer's own anniversary date rather than all at once, so a business with a March renewal will see its new rate in March.

Third, the state notes that the information has not been reviewed or finalized by the U.S. Department of Health and Human Services and is subject to change. Owners should treat the table as the best current guide and confirm their own renewal quote with their carrier or broker.

How the Small Group Rise Compares With Individual Plans

The state publishes a separate table for the individual market, where self employed people and workers without job based coverage buy plans. That table shows a weighted average monthly premium per person of $811 in 2026 and $898 in 2027, an increase of 10.4 percent.

The comparison matters for owners weighing their options. A small group plan in 2027 averages $920 per person per month on the state table, while the individual average is $898. Those are averages across very different groups of people, so they are a starting point for a conversation with a broker, not a quote.

The Federal Calendar Owners Should Know

National open enrollment for individual Marketplace plans started Nov. 1 and runs to Dec. 15 for coverage that begins Jan. 1, according to the HealthCare.gov dates and deadlines page. That window matters to sole proprietors, freelancers and part time staff who buy their own coverage, and to any employer that helps workers buy individual plans.

Small group coverage follows a different clock. Employers can generally buy or renew group coverage at their plan anniversary rather than only during open enrollment. HealthCare.gov's small business section also points employers to the Small Business Health Options Program, known as SHOP, and to health reimbursement arrangements, which let an employer contribute toward the cost of individual plans that workers buy themselves.

In Florida's 2027 small group table, all nine listed companies are marked as offering plans outside SHOP only. Owners who want SHOP specifically can check current options through HealthCare.gov or a SHOP registered broker.

What a 12.9 Percent Rise Means in Dollars

Using the state averages, the change from $813 to $920 is $107 per person per month, or $1,284 per person over a year. For a business covering 10 people at the average, that works out to $12,840 more over 12 months, before any change in how much the employer and employees each pay.

That figure is an average, not a forecast for any specific company. It is still a useful line in a budget, because it shows the scale of the decision owners face as renewals arrive.

Practical Steps Before Renewal

A few steps can help owners prepare:

Find your plan's anniversary date, since that is when the 2027 rate applies to your group.
Ask your carrier or broker for the renewal quote early and compare it with the carrier's figure in the state table.
Price at least one alternative plan level or carrier, since approved changes in the state table range from 8.7 to 17.4 percent.
Review whether a health reimbursement arrangement could fit your workforce, using HealthCare.gov's small business resources.
Tell staff who buy individual coverage that Marketplace open enrollment closes Dec. 15 for Jan. 1 coverage.
Budget for the increase in 2027 payroll planning, including any change in the employee share of premiums.

Questions to Ask a Broker This Month

A renewal meeting goes faster with a short list of questions ready:

What is our exact 2027 renewal rate, and how does it compare with our carrier's average in the state table?
How much of the change comes from the carrier's overall filing, and how much from changes in our own group, such as ages or plan mix?
What would the same coverage cost with another carrier on the state list?
How would a different plan level change the premium and the out of pocket costs for staff?
Would a health reimbursement arrangement work for our team, and what would it cost us per worker?

Owners who share costs with employees can also use the state averages to explain the change to staff. A plain explanation that the statewide small group average rose 12.9 percent helps workers understand why their share of the premium may move, even before the final renewal quote arrives.

Where to Find the Records

The Florida Office of Insurance Regulation's federal health insurance page lists the 2027 plan year tables, and each company's Florida file log number in the table can be used to look up the full rate filing in the office's IRFS Forms and Rates Filing Search system. The table lists, for example, file log 26-029933 for Blue Cross and Blue Shield of Florida's small group filing.

The national rate review site at ratereview.healthcare.gov also posts plain language consumer disclosures from insurers for 2027 small group filings.

Get the Weekly Deadlines List

Benefit renewals, tax dates and grant windows all stack up in November and December. Subscribe to the Sundaze Gazette newsletter for a weekly list of the deadlines South Florida owners need.

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Key Facts for Owners and Search

How much are Florida small group health premiums rising in 2027?

The Florida Office of Insurance Regulation's 2027 table lists a weighted average small group premium of $920 per person per month, up from $813 in 2026. That is a 12.9 percent increase across nine insurers. The state says the averages reflect overall enrollment and do not show the change for any single policyholder.

Which Florida insurers have the largest 2027 small group increases?

The state table lists UnitedHealthcare Insurance Company at 17.4 percent, UnitedHealthcare of Florida at 16.8 percent and Neighborhood Health Partnership at 16.7 percent. The smallest approved changes are Behealthy Florida at 8.7 percent and AvMed and Florida Health Care Plan at 8.8 percent. Blue Cross and Blue Shield of Florida is listed at 11.8 percent.

When do 2027 small group rates take effect for my business?

The state table labels the changes as approved at anniversary, which means small group plans move to 2027 rates on each employer's own renewal date. A business that renews in March sees the new rate in March. Owners should ask their carrier or broker for the renewal quote early and compare plan options.

How do Florida individual health premiums compare for 2027?

Florida's 2027 individual market table lists a weighted average monthly premium per person of $898, up from $811 in 2026, an increase of 10.4 percent. Individual Marketplace open enrollment runs Nov. 1 to Dec. 15 for coverage starting Jan. 1, according to HealthCare.gov. Small group plans follow employer anniversary dates instead.

Are the 2027 Florida health insurance rates final?

Not entirely. The Florida Office of Insurance Regulation notes that its 2027 table has not been reviewed or finalized by the U.S. Department of Health and Human Services and is subject to change. Owners should treat the averages as a planning guide and confirm their own renewal quote with their insurer or licensed broker.

Filed Under Small Business