How can I estimate my employer contribution?
Use the number of employees you expect to enroll, an estimated average monthly employee only premium and the percentage you intend to pay. Multiply the three to estimate the employer's monthly share. Actual rates and the number who enroll may differ.
| Assumption | Example |
|---|---|
| Employees enrolling | 5 |
| Average monthly employee only premium | $600 per employee |
| Employer contribution | 70% of the premium |
| Estimated employer share | $2,100 per month, or $25,200 for 12 months |
| Estimated employees' combined share | $900 per month |
This example leaves out dependent coverage, administrative fees, taxes and other costs. Some employees may pay different premiums; use an average only as a planning assumption.
What affects a Florida group's actual premium?
Your actual price depends on the plans available to your group, employee ages, location and the insurer's approved rates. Employee choices and family coverage also affect the final total.
- Request employee only and dependent premiums separately.
- Compare networks, deductibles and out of pocket costs, not just the lowest premium.
- Ask how many employees must participate and whether the carrier requires a minimum employer contribution.
- Confirm the effective date, renewal terms and any administrative fees with the insurer.
What do employer premiums look like nationally?
KFF's 2026 employer survey reports an average annual premium of $9,804 for single coverage and $28,303 for family coverage among firms with at least 10 workers. These are total premiums paid by employers and employees together, not just the employer's share.
KFF reports $9,272 for single coverage and $26,702 for family coverage in the South region. These are regional averages, not Florida prices or 2027 quotes, and the survey does not include firms with fewer than 10 workers. Use them as context only; ask for a current quote for your group.
How much must the employer contribute?
The contribution you choose depends on your plan and its rules. Ask the insurer about its requirements before setting a budget. Do not assume the calculator's percentage qualifies a group for a particular plan.
The Small Business Health Care Tax Credit has separate eligibility rules, including a qualifying contribution toward employee premiums, employee count, wages and generally SHOP coverage. Relief may apply in areas without available SHOP plans. The calculator does not determine tax credit eligibility; ask a tax professional and see our tax credit guide.
What if I am self employed or have a small team?
If you have no employees other than yourself or your spouse, an individual plan rather than a small group plan may be the route to explore. Businesses with employees can ask an agent or carrier about the group options available to them.
The number enrolled in a plan is not the same as the full time equivalent count used for other rules. Our small business calculator helps with that count. Our Florida small business guide explains the next steps.
What should I have ready for a quote?
Prepare your business location, the number of employees and dependents who may enroll, the desired start date and your preferred contribution. An agent can explain what information each carrier needs and compare available group options.
You can request a small business quote when you are ready. The worksheet above does not send your inputs to us and does not require your contact information to show an estimate.
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