Florida Group Health Insurance & ICHRA Solutions for Employers Who Need Better Options
We help Florida employers compare traditional group health insurance, ICHRA, and reimbursement-based strategies to improve cost control, give employees more plan choice, and build a benefits strategy that actually fits the business.
Serving Florida small businesses, growing companies, and HR teams — including employers with as few as 1 employee.
Call now to talk through your options with a real local benefits advisor — not a call center.
No-cost employer review • Licensed Florida benefits advisors • Real local support
Led by Tina Kuga Garrell, MHR — Group Health & ICHRA Specialist · 20+ years in benefits and HR strategy
Why Florida Employers Work With Tina and Our Team
Traditional group health and ICHRA compared side by side — we help you evaluate the right fit for your business instead of pushing a one-size-fits-all solution
Real local support — your team talks to licensed Florida agents, not a call center or outsourced support team
Budget-focused strategy — designed to help employers control costs without cutting benefits unnecessarily
Employee enrollment help included — we guide your team through plan selection, enrollment, and questions
Ongoing service after setup — billing, claims, doctor networks, prescriptions, renewals, and year-round support
What Florida Employers Are Trying to Solve Right Now
Most employers who call us are dealing with the same core problems: rising costs, poor plan fit, participation headaches, and benefits budgets that keep getting harder to predict.
Rising Renewal Costs
Premiums increase every year and employers have little control over where rates go. Many are looking for structures that make costs more predictable.
Employees Wanting Better Plan Choice
One group plan rarely works for every employee. Workers increasingly expect flexibility to choose coverage that fits their own doctors and family situation.
Participation and Contribution Frustrations
Traditional group plans often require minimum participation levels. When employees waive coverage, it can jeopardize the whole group plan structure.
Needing a More Predictable Benefits Budget
Employers want to know what benefits will cost before the year starts. Defined-contribution models like ICHRA allow you to set a fixed monthly amount and hold it there.
Traditional Group Plans Are Getting Harder to Justify
Florida business owners are facing rising renewals, limited flexibility, and benefits strategies that no longer fit their workforce. Here is why more employers are reviewing their options.
Rising Renewal Costs
Annual premium increases make it difficult to budget and plan — especially when you have no control over where rates go next year.
Employee Choice Matters More
One group plan rarely fits every employee's doctors, family, or needs. Workers increasingly expect flexibility in their benefits.
Predictable Contributions
ICHRA and reimbursement-based strategies let employers set a defined monthly amount — so benefit costs stay within budget.
Participation Requirements
Traditional group plans often require minimum employee participation. ICHRA has no minimum — it works even if only some employees want coverage.
Ongoing Support After Enrollment
Most brokers disappear after setup. We stay with your team year-round — billing issues, claims, doctor questions, renewals, and more.
Staying Competitive for Talent
Offering meaningful benefits is no longer optional. We help you build a benefits package that attracts and retains employees — without overpaying.
What Is ICHRA — And Is It Right for Your Business?
An Individual Coverage HRA (ICHRA) is a modern alternative to traditional group health insurance. Instead of putting every employee into one group plan, the employer sets a monthly allowance and employees use that allowance to buy their own individual health coverage.
For many Florida employers, ICHRA offers more budget predictability and more employee flexibility than a traditional group plan. It is not the right fit for every business, which is why we help you compare both options side by side before you decide.
Traditional Group Health vs. ICHRA
Not sure which direction makes sense? Here is a simplified view of how these two strategies typically differ.
Traditional Group Health
A familiar employer-sponsored structure with shared plan design.
- Employer selects the plan structure
- Premiums can increase significantly at renewal
- Participation requirements may apply
- Less employee plan choice
- Often best for businesses wanting a conventional benefits model
ICHRA
A defined-contribution strategy that gives employees more flexibility.
- You set a defined monthly contribution
- Employees choose their own individual coverage
- No minimum participation requirement
- More budget predictability for employers
- Often best for businesses wanting flexibility and cost control
Not sure which direction is right for your business?
Talk Through Your Employer OptionsHow the Review Process Works
A straightforward process from first conversation to full implementation. Here is what to expect.
Initial Employer Review
We review your current benefits, team size, and goals. No cost, no obligation — just a clear conversation with a licensed Florida benefits advisor.
Compare Options Side by Side
We present group health and ICHRA options with honest pros and cons for your specific situation.
Evaluate Costs and Strategy
We run quotes and help you evaluate total cost, employee experience, and administrative load before you decide.
Enrollment and Ongoing Support
We guide your team through enrollment and stay available year-round for renewals, questions, and changes.
Built for Florida Businesses of Every Size
Whether you have one employee or fifty, we can help you find a benefits approach that works — without making it complicated.
Self-Employed & Solo Owners
If you are self-employed or running a business of one, we can help you review individual health coverage and reimbursement-based strategies that may make sense for your situation and budget.
Individual / Reimbursement StrategySmall Businesses (2–49 Employees)
Traditional group plans or QSEHRA and ICHRA alternatives — we help you compare what actually makes sense for your team and your budget.
Group / ICHRA / QSEHRAGrowing Companies (50+ Employees)
ACA-compliant group health with employer mandate guidance. We help you stay compliant while keeping benefit costs manageable as your team scales.
Group / ICHRA / ALE SupportTalk to a real licensed Florida benefits advisor. No robots, no AI, no call centers.
☎ Talk to Tina or a Licensed Benefits AdvisorNo-cost employer review · Local ongoing support
Let's Review the Right Benefits Strategy for Your Business
Serving Florida employers from our Lake Mary office.
Whether you are exploring traditional group coverage, ICHRA, or a more flexible reimbursement strategy, we will walk you through your options clearly and help you choose the approach that fits your team, budget, and goals.
Talk to Tina or a Licensed Florida Benefits Advisor Today
Call us or request a review online. We will walk through your options with clear, honest guidance — no pitch, no pressure.
Licensed Florida Agents · No Obligation
Florida Employer Benefits FAQ
Here are the questions Florida business owners ask most often before starting a group health or ICHRA review. Most can be answered quickly with a no-cost phone call.
What is the difference between group health insurance and ICHRA?
Traditional group health means you select a shared plan your employees enroll in. With ICHRA, you give each employee a defined monthly allowance to buy their own individual coverage. Both have advantages depending on your business size and budget. We help you compare them side by side at no cost.
Is ICHRA available to small businesses in Florida?
Yes. ICHRA has no minimum or maximum team size, making it available to Florida businesses of all sizes. We can help you determine if it works for your specific situation.
Do employees choose their own plans with ICHRA?
Yes. With ICHRA, each employee selects their own individual health plan and uses the employer-funded monthly allowance toward their premium. They keep their preferred doctors and coverage. Learn more about individual health insurance options.
Can I offer dental and vision alongside group health insurance?
Many traditional group health plans can include dental and vision add-ons. We help Florida employers evaluate these as part of a complete benefits strategy. See our dental and vision coverage page for details.
What if I only have a few employees?
Small team sizes do not disqualify you from offering meaningful benefits. Options like ICHRA and QSEHRA are designed for smaller employers. We will help you find the right approach at no cost.
Does it cost extra to work with your agency?
No. There is no added cost to work with our local Florida benefits advisors. We provide plan comparison, enrollment support, and ongoing service after setup at no charge. Request a no-cost employer review to get started.
