Ocala, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
31 employers in Ocala, Florida filed health plans with 100 or more participants for plan year 2024, covering 11,612 participants. They reported $60M in insurance premiums and $1.9M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 5.0% of premium, against 4.6% across Florida and 3.8% nationally. Against 2023, premiums were down 7.4% and broker pay fell 9.2%.
Funding: 15 fully insured · 10 self-funded · 6 mixed. 16 of 31 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Ocala
Ocala employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Marion County Medical Society Inc. Insurance Trust Fund | $44,881,053 | $89,962 | 5,101 | Gallagher |
| HDG Hotels, LLC | $2,100,959 | $107,254 | 453 | Gallagher |
| Palm Chevrolet of Ocala, LLC | $1,712,359 | $86,270 | 194 | Fidelity Insurance Agency Inc |
| Fidelity Manufacturing, LLC | $1,461,629 | $138,216 | 302 | Gallagher |
| Phoenix Wood Products Inc. | $1,327,928 | $85,009 | 105 | HUB International |
| Sullivan Automotive Group | $1,306,463 | $73,100 | 286 | Excalibur Financial Group |
| Ocala Eye, P.A. | $1,303,287 | $31,894 | 193 | David Ashley |
| Capris Furniture Industries, Inc | $1,107,639 | $96,749 | 193 | Grabe Financial Services, Inc |
| Green Ops FL Opco, LLC | $1,019,601 | $64,995 | 183 | Whipple & Company, |
| Concordis Senior Living of Central Florida, LLC | $977,756 | $86,171 | 350 | USI Insurance Services |
| Seacoast Health Systems, Inc. | $859,138 | $72,061 | 204 | Acrisure |
| Del Zotto Products of Florida, Inc | $712,197 | $62,953 | 117 | FRP Corp dba Acentria BRC |
| Triple Crown Trailers, LLC | $604,565 | $32,889 | 114 | Insurance Office of America |
| Raney's, LLC | $440,863 | $35,245 | 100 | Insurance Office of America |
| Deluca, Inc. dba Deluca Toyota Scion | $397,219 | $15,461 | 157 | Brown & Brown |
| Nobility Homes, Inc. | $57,690 | $13,219 | 129 | Gallagher |
| On Top of the World Communities LLC | $0 | $116,824 | 477 | Alliant Insurance Services |
| Signature Brands, LLC | $0 | $82,549 | 436 | USI Insurance Services |
| The Iserv Group, Inc. | $0 | $69,154 | 322 | Insurance Office of America |
| Cone Distributing, Inc. | $0 | $57,157 | 306 | Alliant Insurance Services |
| Optimum Dealership Group, LLC | $0 | $122,162 | 293 | Wingate Insurance Group, Inc. |
| Ansafone Contact Centers, LLC | $0 | $37,885 | 282 | Hylant |
| Heart of Florida Health Center, Inc | $0 | $67,633 | 252 | Marsh McLennan Agency |
| American Panel Coproration | $0 | $22,963 | 175 | Lassiter Ware |
| Data Mortgage, Inc. dba Essex Mortgage | $0 | $127,875 | 169 | OneDigital |
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 Ocala employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $341,435 | 4 |
| Alliant Insurance Services | $171,381 | 2 |
| Insurance Office of America | $148,747 | 4 |
| USI Insurance Services | $147,569 | 2 |
| OneDigital | $122,353 | 1 |
| Fidelity Insurance Agency | $86,248 | 1 |
| HUB International | $85,009 | 1 |
| Wingate Insurance Group, Inc. | $80,455 | 1 |
| Excalibur Financial Group | $73,100 | 1 |
| Acrisure | $72,061 | 1 |
Largest medical carriers
Medical premium written for these employers.
Ocala 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.
| Ocala | Florida | United States | |
|---|---|---|---|
| Employer plans | 31 | 3,039 | 58,547 |
| Median commission rate | 5.0% (14 plans) | 4.6% | 3.8% |
| Middle half of rates | 3.5% – 5.3% | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $66,314 | $83,531 | $72,628 |
| Medical premium per covered person | $10,875 | $9,849 | $7,274 |
| Plans reporting no commission | 1 | 39 | 933 |
Year over year. In plan year 2023, 28 Ocala employers reported $65M in premiums and $2.0M in broker pay for 12,018 participants; in 2024 it was $60M and $1.9M for 11,612 participants (premiums −7.4%, broker pay −9.2%).
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 Ocala employers pay health insurance brokers?
31 Ocala employers reported $1,853,485 in broker commissions and fees on their 2024 Form 5500 filings, 30 of them disclosing at least some compensation. Among 14 commission-paying, fully insured medical plans, the median broker rate was 5.0% of premium, 0.4 points above the Florida median of 4.6% and 1.2 points above the U.S. median of 3.8%. In dollars, the median Ocala employer that disclosed broker pay reported $66,314.
Which Ocala employers have the largest health plans?
By insurance premium reported for 2024, Marion County Medical Society Inc. Insurance Trust Fund ($45M), HDG Hotels, LLC ($2.1M), Palm Chevrolet of Ocala, LLC ($1.7M) lead. 25 Ocala employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Ocala?
By compensation reported by Ocala employers, the largest brokers are Gallagher ($341,435, 4 plans), Alliant Insurance Services ($171,381, 2 plans), Insurance Office of America ($148,747, 4 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Unitedhealthcare Insurance Company.
Are Ocala employer health plans self-funded or fully insured?
Of 31 Ocala employer plans, 15 are fully insured, 10 are self-funded and 6 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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