Florida small employers in 2027: what an ICHRA allowance buys on the individual market (median Silver $848 a month at 40, 12 insurers, PPOs sold), the group.
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The short answer: a Florida business with 1 to 50 employees chooses between a small-group plan and reimbursing staff for individual plans. The individual market an ICHRA or QSEHRA allowance buys here prices a 40-year-old’s median Silver at $848 a month for 2027 (+7.5% from 2026), the cheapest Silver filed anywhere in the state is $597 (Ambetter Health, Calhoun County), 12 insurers sell, and PPO plans are sold on the marketplace. The owner’s own coverage follows the entity, and the Form 8941 credit follows headcount and wages, the same in every state.
A group quote, an ICHRA costing and the owner’s own plan all start from the same census: who is on payroll, their ages and home counties. Enter your ZIP and a licensed agent runs all four routes for your business, free.
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| Median Silver, age 40, full price | $848 a month ($789 in 2026) |
|---|---|
| Cheapest Silver filed, age 40 | $597, Clarity Silver, Calhoun County (deductible $8,000) |
| Range of Silver medians across counties | $597 to $2,989 |
| Cheapest Silver at 27 / 50 / 60 | $489 / $834 / $1,267 |
| Insurers selling individual plans for 2027 | 12 (15 in 2026) |
| Counties with a single insurer | 0 of 67 |
| Plan types filed | EPO, HMO, POS, PPO |
Source: CMS Plan Year 2027 and 2026 Qualified Health Plan Landscape files, every individual-market plan filed in Florida. An ICHRA allowance is spent on these plans; an employee’s age moves the price along the federal curve, up to about three times a 21-year-old’s at 60. Small-group plans are priced separately by each carrier and quoted from a census.
The 2027 premium tax credit line for the owner’s own coverage is $63,840 for one person, $86,560 for a couple and $132,000 for a family of four, on net income; above it the full filed price applies and the private market is the comparison. The deduction route depends on the entity (by entity type). Florida against the other states: Plans By State; the 1099 side of Florida: Plans For 1099; every county’s plans: Coverage by County.