Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
3,039 Florida employers filed health plans with 100 or more participants for plan year 2024, covering 3,663,569 participants. They reported $3.0B in insurance premiums and $422M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.6% of premium, 0.8 points above the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Cities in Florida
Every Florida city where 15 or more employers filed a health plan, by the sponsor's mailing address. Each page lists the city's largest plans, brokers and carriers.
| City | Employer plans | Premiums |
|---|---|---|
| Tampa | 304 | $99M |
| Miami | 276 | $582M |
| Jacksonville | 217 | $307M |
| Orlando | 217 | $286M |
| Fort Lauderdale | 111 | $51M |
| Boca Raton | 94 | $39M |
| Clearwater | 70 | $25M |
| West Palm Beach | 68 | $57M |
| Fort Myers | 64 | $22M |
| St. Petersburg | 64 | $337M |
| Sarasota | 60 | $24M |
| Naples | 47 | $112M |
| Coral Gables | 44 | $13M |
| Lakeland | 34 | $14M |
| Tallahassee | 33 | $21M |
| Gainesville | 32 | $33M |
| Ocala | 31 | $60M |
| Melbourne | 28 | $10M |
| Pensacola | 27 | $44M |
| Sunrise | 27 | $6.7M |
| Hollywood | 26 | $6.9M |
| Lake Mary | 26 | $13M |
| Doral | 25 | $28M |
| Pompano Beach | 25 | $9.4M |
| Deerfield Beach | 24 | $5.0M |
| Miramar | 24 | $4.1M |
| Winter Park | 24 | $35M |
| Delray Beach | 23 | $24M |
| Sanford | 23 | $9.6M |
| Bradenton | 22 | $173M |
| Pembroke Pines | 22 | $2.2M |
| Maitland | 21 | $8.6M |
| Palm Beach Gardens | 20 | $4.5M |
| St. Augustine | 20 | $18M |
| Plantation | 18 | $5.8M |
| Daytona Beach | 16 | $32M |
| Hialeah | 16 | $9.6M |
| Jupiter | 16 | $52M |
| Largo | 15 | $3.5M |
| Oldsmar | 15 | $4.0M |
Largest employer plans
By health plan participants.
Highest broker pay
Employers reporting the most broker commissions and fees.
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Florida employers pay health insurance brokers?
Across 684 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Florida employers was 4.6% of premium (middle half 3.7% to 5.2%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $83,531.
Which Florida employers paid the most in broker commissions?
ADP Totalsource, Inc. reported the most in 2024, $9,430,744, followed by Paychex Business Solutions LLC ($5.8M) and Darden Restaurants, Inc. ($4.6M).
Which brokers and carriers dominate Florida?
By reported compensation, the largest brokers are Marsh McLennan Agency, Mercer, Lockton. By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Cigna Health and Life Insurance Company.
Which Florida cities have the most employer health plans?
Tampa (304 employer plans, $99M in premiums); Miami (276 employer plans, $582M in premiums); Jacksonville (217 employer plans, $307M in premiums); Orlando (217 employer plans, $286M in premiums); Fort Lauderdale (111 employer plans, $51M in premiums). 40 Florida cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
Is your company on this page? Get its Form 5500 read next to the Florida medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
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