Can a sole proprietor get group health insurance in Florida?
Generally no. A sole proprietor without W-2 employees cannot purchase a small group plan. However, if they pay themselves W-2 wages and employ at least one other person, they may qualify.
What to do next
Start from your own specifics rather than a rule of thumb; a short conversation usually tells you whether this needs a professional look.
Local context for Statewide Florida
Group plans cannot deny coverage based on pre-existing conditions. The Individual Coverage Health Reimbursement Arrangement (ICHRA) allows Florida employers to reimburse employees tax-free for individual health insurance premiums instead of offering a traditional group plan. Florida small business owners with 2 to 50 employees can purchase group health insurance that is often more affordable than individual ACA marketplace plans. Florida small group carriers include Florida Blue, UnitedHealthcare, Aetna, Cigna, Humana, and Ambetter. Plan types include HMO, PPO, POS, and HDHP with HSA. Any business with 2 to 50 full-time equivalent employees can purchase a small group plan.
Florida Health Insurance Web provides Medicare Advantage, Medicare Supplement (Medigap), ACA Marketplace Plans, Final Expense Insurance, Small Group Health Insurance, Medicare Part D across Statewide Florida.
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Florida Health Insurance Web — Compare your plan options
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