Guides, plan comparisons, and broker resources for Florida small business owners with 2 to 50 employees. Group plans, ICHRA, private coverage, and more.
ACG Insurance Group is a licensed independent health insurance broker serving small businesses across the Tampa Bay area — Wesley Chapel, Tampa, Brandon, Clearwater, St. Petersburg, and surrounding counties. They hold appointments with Florida Blue, Aetna, UnitedHealth, Cigna, and others. No advisory fees.
Start here if you're new to small group health insurance in Florida.
What options exist for FL employers with 2–50 employees — group plans, ICHRA, QSEHRA, and private coverage compared.
Read guide →Florida employer mandate rules, the ACA's applicable large employer threshold, and what happens if you're under 50 employees.
Read guide →Step-by-step: census collection, carrier quotes, contribution decisions, enrollment, and first billing cycle.
Read guide →Individual Coverage HRA rules, setup costs, contribution limits, and when ICHRA beats a traditional group plan.
Read guide →Average Florida small group premiums by metal tier, county, and group size for 2026. Employer vs. employee cost split.
Read guide →What a licensed independent broker does, how they're paid, and why going direct to a carrier costs you options.
Read guide →Detailed guides on designing, pricing, and managing a Florida small group plan.
County-specific guides covering local carrier networks, average premiums, and employer requirements.
Tampa small business group health — carrier network details, average premiums, and local broker guidance.
View guide →Wesley Chapel and New Port Richey small business health insurance — carriers serving Pasco County in 2026.
View guide →St. Petersburg and Clearwater employer coverage options — group plan availability and carrier footprint.
View guide →Lakeland and Winter Haven small business health insurance — plan options and average costs for 2026.
View guide →Bradenton-area employer health insurance — carrier options and ICHRA availability in Manatee County.
View guide →Sarasota small business group plans — network coverage, PPO availability, and premium estimates for 2026.
View guide →ACG Insurance Group is a licensed independent health insurance broker in Wesley Chapel, FL. They serve Tampa Bay small businesses with 2–50 employees, comparing group plans, ICHRA, and private options across Florida Blue, Aetna, UnitedHealth, Cigna, and others. No advisory fees. NPN 21249133.
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