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For Employers

Small Business Health Insurance:

Group Plans on Budget

The healthcare commitment your business makes should meet your business size and budget needs.  For small business owners, from 1 to 50 employees, it is a major decision to offer health benefits.  The first thing employers always ask is “what health insurance should I get?” 

Learn more about the different health insurance types of plans available to employers in the Florida Health Insurance Marketplace and find affordable healthcare (insert link to

Peace Tree Health Insurance offers customized solutions for employers.  Connect with one of our specialists to compare and design an affordable group plan that fits the size, budget, and special circumstances of your small business.

Every business owner should know how small business health insurance works.  Knowing the facts will help business owners make an informed decision when it comes to choosing an affordable plan that doesn’t cut corners on coverage but meets the company health insurance monthly cost budget needs.

Eligibility Requirements for

Small Business Health Insurance Plans

To begin with, to be eligible for a small business health plan or group coverage, your business must have at least one employee. That means a minimum of one person besides yourself who is not a contractor, or your spouse, must be on payroll. Your organization must demonstrate it meets the legal description of a business and show proof thereof.

You can rest assure that your application for group health coverage can never be declined for a preexisting condition. All your employees and their dependents are eligible for coverage regardless of their pre-existing condition.

A licensed agent is the right person to help you find health insurance coverage in your area. Contact one of our Peace Tree health insurance agents and get all your questions answered.

Another requirement for eligibility into a group coverage plan is that you must pay part of your employee’s premiums. This amount varies from state-to-state and from one insurance company to another. But it is typically 50% of the premium.  Business owners also have the option to pay for their employee dependent’s premium.

Small business owners can shop for health insurance year-round and make changes to already existing plans during health insurance open enrollment periods and qualifying life events.

Small business owners with few employees

Often ask why they should sign up for a group health plan. Some of the benefits of a group health insurance plan include:

Lower Cost

Cost savings is one of the biggest advantages of group plans. Employees will be able to lower the cost of insurance for himself and himself because of the group plan.

employment Loyalty

When employers offer health benefits employees feel valued and appreciated. Happy employees work harder for the company because they see that they can build a career at the company and create a better work environment

Tailored Coverage

Better insurance plans are offered when there are more people in the insurance pool (group). There are more options for more people at a lower price for insurance plans and ore coverage for pre-existing conditions.

Tax Incentives

Small size companies of 1-50 employees may be eligible for the Small Business Health Care Tax Credit to help cover the cost of providing coverage.


Small Business Health Insurance Plans

Enrolling in a group health plan doesn’t have to be a solitary and daunting ordeal. Peace Tree helps employers select the best small business health insurance group plan for their company needs from a comprehensive array of group plan options.

Offering health care benefits to your staff is a careful decision to make based on calculations of health insurance yearly costs and tax incentives. 

We are here to take the stress out of selecting and enrolling in a group plan by walking you through the process every step of the way.  To help employers compare health plans we will explain every issue and answer every question to find the plan that benefits your company most.

You can count on Peace Tree Health Insurance to provide up-to-date and detailed information resources to help you make the best decision.

Peace Tree Offers The Following

Florida Health Insurance Plan Solutions for Small Businesses

Wellness and preventive care are at the forefront of traditional HMO plans.  Health Management Organizations are considered a type of managed care within a network in coordination with a primary care physician. HMO plans are known to offer the lowest premiums and health insurance deductibles.

With an HMO plan you not only benefit from low copays for primary care visits, prescription drugs, and X-rays, you also receive the best quality comprehensive coverage. Health insurance out-of-pocket costs are lower, and your health care benefits include worldwide emergency and urgent care. 

You will have access to a network of thousands of providers and facilities that offer the best customer experience and specialties including chiropractic, dermatology, gynecology, addiction treatments, smoking cessation options, and weight control programs.

With a balanced care health plan, you get the best value and most balance between monthly premium payments and out-of-pocket costs.

With fixed co-pays per visit and options for deductibles on health insurance, a balanced plan may be the best health insurance option for you. Pay as little as $15 per doctor’s visit and $0 annual deductible.

Find relief in knowing the exact cost of every doctor’s visit, whether to a specialist or a primary care physician. You can budget your medical costs more easily with our balanced care plans but be ready to pay higher monthly premiums. If you are a person who receives assistance this plan may help you lower your out-of-pocket costs.

As the name suggests, this is a plan with a higher deductible in comparison to other health insurance options. This means that you are ready to pay for more health care costs up front before insurance starts to pay for coverage.

The benefits of High Deductible Plans are that they offer a lower cost alternative for employers and the greatest level of control over healthcare expenses. HDHP plans have proven to be managed best in combination with a Health Savings Account, where you can set aside pre-tax money to pay for deductibles, copayments, coinsurance, and other qualified medical expenses.

When you enroll in a HDHP your monthly premium may be lower but your deductible higher.  So, if you don’t need many healthcare services you would benefit from the lower monthly premium. And if your healthcare needs increase you can use the money in the savings account to pay for deductible.

As defined by the IRS, in 2021 a high deductible health plan is no less than $1,400 per person or $2,800 per family.  The ceiling for out-of-pocket expenses is at $7,000 per person or $1,400 per family in network only. For 2022, the high deductible definition by the IRS remains the same but the out-of-pocket limits rises to $7,000 and $1,400 respectively per person and family.

Under the tax law, there must be a minimum deductible and maximum out-of-pocket costs.

Point of Service Rider Health (POS) plans provide benefits for both in and out of network services. Fixed in-network copays, plus freedom of choice are the POS advantage.

This type of managed-care health insurance plan combines the features of a Health Maintenance Organization (HMO) with that of a Preferred Provider Organization (PPO).

A POS, also known as Open Access Rider, requires the policyholder to choose an in-network primary physician just like an HMO and receive referrals to specialist and laboratory appointments.  But the POS also covers services provided out-of-network. You can add Point of Service coverage to any health insurance HMO, Balance, or High Deductible health plans.

On the downside, POS policy holders are required to fill out their own paperwork when they receive out-of-network services. When you have a referral, your POS plan will pay more towards an out-of-network provider than without one, but it is not required.

POS plans require copayments. While in-network copayments are as low as $10-$25 per appointment, out-of-network copays vary by provider.

The main advantage of a POS plan over a PPO is that there is no deductible for in-network service providers. 

The Triple Option Rider Health Plan offers the most control over out-of-pocket costs. It is designed to complement Florida Health Care HMO Plans.

In addition to the vast network of HMO Participating Providers Network, policyholders have the option to choose any provider listed as a Florida Health Care Physician. This includes over 400,000 local and national providers.

Services received out-of-network will require copays or a deductible and co-insurance.  With Triple Option you can also choose to receive services from non-participating physicians and facilities. 

PeaceTree Insurance is your peace of mind when it comes to choosing the best health care plans for employers in Florida.