Jacksonville, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
217 employers in Jacksonville, Florida filed health plans with 100 or more participants for plan year 2024, covering 292,066 participants. They reported $307M in insurance premiums and $39M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.1% of premium, against 4.6% across Florida and 3.8% nationally. Against 2023, premiums were up 86.3% and broker pay rose 12.6%.
Funding: 66 fully insured · 77 self-funded · 74 mixed. 151 of 217 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Jacksonville
Jacksonville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Florida, Inc. | $145,232,742 | — | 10,035 | — |
| Swisher International Inc | $19,680,369 | $841,950 | 929 | Gallagher |
| Miller Electric Company | $9,908,563 | $479,247 | 605 | Gallagher |
| Superior Construction Company | $9,319,153 | $211,594 | 496 | MFB Financial dba the Bailey Group |
| Fortegra Financial Corporation | $6,773,993 | $388,558 | 463 | HUB International |
| Redwire Holdings, LLC | $6,267,375 | $301,346 | 558 | Lockton |
| Farah & Farah, P.A. | $3,809,380 | $202,747 | 370 | MFB Financial, Inc. dba the Bailey |
| Episcopal Children's Services | $3,627,397 | $28,283 | 654 | Lassiter Ware |
| River City Education Services | $3,625,009 | $280,004 | 499 | HUB International |
| Hanania Automotive Management Corp. | $3,432,959 | $217,644 | 691 | MFB Financial dba the Bailey Group |
| Jacksonville Orthopaedic Institute, Inc. | $3,190,737 | $104,591 | 355 | Gallagher |
| Nymbus, Inc. | $3,138,435 | $138,276 | 218 | NFP |
| WW Gay Medhcanical Contractor | $2,967,316 | $123,610 | 194 | John Geer Company |
| Total Military Management, Inc. | $2,861,264 | $153,328 | 270 | MFB Financial, Inc. dba the Bailey |
| University of Florida Jacksonville Physicians, Inc. | $2,843,348 | $495,173 | 1,294 | Aon |
| Vesta Property Services, Inc. | $2,743,926 | $146,103 | 590 | MFB Financial Inc |
| Beaver Street Fisheries LLC | $2,718,018 | $67,950 | 178 | The John Geer Company |
| Champion Brands, Inc. | $2,558,616 | $108,146 | 237 | MFB Financial Inc dba the Bailey GR |
| Kipp Jacksonville, Inc. | $2,352,359 | $153,852 | 305 | Gallagher |
| The CJS Solutions Group, LLC dba the Hci Group | $1,971,298 | $96,094 | 182 | Wingate Insurance Group Inc. |
| Im Sulzbacher Center | $1,935,219 | $118,315 | 125 | MFB Financial Inc |
| Gate Petroleum Company | $1,920,753 | $326,777 | 1,792 | MFB Financial |
| Jacksonville Spine Center, P.A. | $1,876,009 | $158,402 | 322 | Brown & Brown |
| Facility Contract Services LLC | $1,804,139 | $95,786 | 293 | Marsh McLennan Agency |
| Tom Bush Volkswagen, Inc. | $1,765,477 | $124,889 | 309 | Brown & Brown |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Jacksonville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $7,671,297 | 15 |
| Gallagher | $4,911,734 | 36 |
| MFB Financial Inc | $2,133,180 | 26 |
| Freestone Financial, LLC | $1,929,402 | 1 |
| Brown & Brown | $1,732,436 | 22 |
| Saunders Benefits Consulting LLC | $1,521,425 | 3 |
| Marsh McLennan Agency | $1,306,524 | 8 |
| Wingate Insurance Group, Inc. | $1,237,299 | 17 |
| Lockton | $1,188,185 | 11 |
| MFB Financial dba the Bailey Group | $1,152,260 | 16 |
Largest medical carriers
Medical premium written for these employers.
Jacksonville against Florida and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Jacksonville | Florida | United States | |
|---|---|---|---|
| Employer plans | 217 | 3,039 | 58,547 |
| Median commission rate | 4.1% (60 plans) | 4.6% | 3.8% |
| Middle half of rates | 3.2% – 5.0% | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $96,318 | $83,531 | $72,628 |
| Medical premium per covered person | $10,397 | $9,849 | $7,274 |
| Plans reporting no commission | 2 | 39 | 933 |
Year over year. In plan year 2023, 213 Jacksonville employers reported $165M in premiums and $34M in broker pay for 281,596 participants; in 2024 it was $307M and $39M for 292,066 participants (premiums +86.3%, broker pay +12.6%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Jacksonville employers pay health insurance brokers?
217 Jacksonville employers reported $38,536,510 in broker commissions and fees on their 2024 Form 5500 filings, 213 of them disclosing at least some compensation. Among 60 commission-paying, fully insured medical plans, the median broker rate was 4.1% of premium, 0.5 points below the Florida median of 4.6% and 0.3 points above the U.S. median of 3.8%. In dollars, the median Jacksonville employer that disclosed broker pay reported $96,318.
Which Jacksonville employers have the largest health plans?
By insurance premium reported for 2024, Blue Cross and Blue Shield of Florida, Inc. ($145M), Swisher International Inc ($20M), Miller Electric Company ($9.9M) lead. 25 Jacksonville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Jacksonville?
By compensation reported by Jacksonville employers, the largest brokers are Mercer ($7.7M, 15 plans), Gallagher ($4.9M, 36 plans), MFB Financial Inc ($2.1M, 26 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Florida Blue.
Are Jacksonville employer health plans self-funded or fully insured?
Of 217 Jacksonville employer plans, 66 are fully insured, 77 are self-funded and 74 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Florida
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