- Providing world class service and value for employee benefit group plans since 1987
Orlando is widely known for its world-class tourism and hospitality industry — but in recent years, the city has become a booming hub for healthcare, education, aerospace, and tech. As Central Florida’s job market expands, so do employee expectations. Today’s workforce isn’t just looking for a paycheck — they’re looking for long-term security, access to healthcare, and family-friendly benefits. That’s why offering a strong group health insurance plan and a comprehensive employee benefits package is a must for Orlando employers.
From service professionals to software developers and healthcare workers, employees in Orlando value meaningful employee benefits that reflect their lifestyle and career goals. At Taylor Benefits Insurance, we help local businesses of all sizes build customized group health plans that drive recruitment, retention, and real business performance — without blowing your budget.
Whether you manage a hospitality group in the tourism corridor, a tech startup in Lake Nona, or a healthcare practice near downtown, offering group health insurance in Orlando is essential for staying competitive in today’s labor market. Here’s why:
Attract Top Talent: In a growing market like Orlando, benefits can make or break a candidate’s decision.
Improve Employee Loyalty: Workers stay longer with employers that support their health and financial well-being.
Increase Workplace Efficiency: Healthy employees are more focused, productive, and consistent in their work.
Tax Efficiency: Employer contributions to health insurance are typically tax-deductible and can reduce payroll tax liabilities.
Taylor Benefits Insurance partners with Orlando employers to structure cost-effective plans that support business goals and meet employee expectations.
Large companies choosing how to provide mandated health insurance for their workforce can choose one of several approaches, depending on the target group’s needs, the budget, and how the company intends to share the costs. Premiums for health insurance seem to rise annually, and employers may not want to pass those increases to workers. Still, one positive point is that both employers and subscribers have choices that enable them to choose the coverage that meets their needs while accommodating their budget.
One popular option is a High Deductible Health Plan (HDHP), often paired with a Health Savings Account. In 2022, the IRS requires that an HDHP have a minimum deductible of $1,400 for an individual ($2,800 for a family). However, many of these policies have much higher deductibles. Some have a deductible that reaches the out-of-pocket maximum of $7,050 per individual. In addition, any expenses that the subscriber incurs outside their PPO or HMO network don’t count toward the deductible.
Using a Health Savings Account, the subscriber can set aside pre-tax income to pay for qualified medical expenses. Any funds leftover in one calendar year can roll over indefinitely (even into retirement) for future needs.
Small companies—defined as having less than fifty employees– aren’t obligated by the ACA to provide health insurance to their workers. Still, some want to, recognizing it as a competitive advantage in recruiting and hiring. Almost thirty percent of small companies pay the full cost of insurance coverage for their employees, and another ten percent also pay the premium for family members. Most workers (forty-five percent) are enrolled in PPO plans, and HMO plans are the next most often selected.
Small companies may benefit from investigating plans available through SHOP (the Small Business Health Options Program). It offers opportunities for small companies to provide affordable coverage to their workforce. Taylor Benefits Insurance can help a business evaluate the options. Small companies may decide to offer one plan for all workers or potentially a choice between more than one.
In a competitive metro like Orlando, top employees expect more than just health insurance. A thoughtful employee benefits package can set your company apart. Here’s what we recommend including:
Dental and Vision Insurance: Dental plans cover preventive care, fillings, crowns, and orthodontics. Vision plans include exams, lenses, and glasses. These affordable add-ons increase employee satisfaction and reduce out-of-pocket medical costs.
Life and Disability Insurance: Life insurance offers financial protection for employees’ families, while disability insurance covers income loss due to injury or illness. These are essential safety nets that contribute to overall peace of mind.
Retirement Plans (401(k), Roth IRA, SEP Plans): Offering retirement plans with employer matching or contribution options shows employees you’re invested in their future — which is key for long-term retention.
Mental Health & Wellness Programs: Whether through telehealth counseling, meditation apps, gym subsidies, or wellness coaching, mental and physical wellness benefits are becoming non-negotiable in today’s workplace.
Paid Time Off (PTO), Sick Leave & Family Leave: Flexible leave policies help employees balance life’s demands. In Orlando’s family-friendly environment, generous PTO and parental leave help attract and keep reliable staff.
Flexible Spending Accounts (FSA) and Health Reimbursement Arrangements (HRA): FSAs allow employees to set aside pre-tax dollars for healthcare or dependent care. HRAs, funded by the employer, reimburse employees for qualifying expenses. Both help reduce costs and improve employee financial security.
Taylor Benefits Insurance will guide you in building a plan that fits your team’s priorities and aligns with your company culture.
We have a variety of group coverage options from which we carefully devise a plan that will address your company’s needs. They include:
Providing group health insurance in Orlando also means following all relevant legal regulations. Taylor Benefits ensures your plan stays compliant with:
Affordable Care Act (ACA): Required for employers with 50+ full-time workers, mandating affordable, minimum-value coverage.
ERISA (Employee Retirement Income Security Act): Ensures fair administration and disclosure of employee benefit plans.
HIPAA (Health Insurance Portability and Accountability Act): Protects employee health information and privacy.
Florida State Requirements: These include mandates around telemedicine, preventive care, and coverage transparency.
With Taylor Benefits Insurance, you won’t have to worry about missed deadlines, incomplete documentation, or non-compliance issues.
Some of the most recognized group health insurance companies in the country may be found through Taylor Benefits Insurance. We’ve proven over many years of good service that you can always rely on us to find you a great deal on large group insurance plans.
We work with the following insurance companies:
● Blue Cross
● State Farm
● Coventry Corp. Group
● eHealthInsurance
● Humana Group
● Kaiser Foundation Group
● Unitedhealth Group
● HIP Insurance Group
● Carefirst Inc. Group
● UHC of California
● Metropolitan Group
● HCSC Group
● Blue Shield
In Orlando, Florida, small business health insurance can benefit business owners in five ways.
The first is a general-purpose small business group health insurance plan. Employers pay a premium for health insurance in order to provide health benefits to their workers and, in some cases, the workers’ families. However, the employee might only be required to pay a small portion of it.
The second type of insurance to take into account is a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA). Employees receive a fixed sum of benefits from their employers each month.
Group Coverage Health Reimbursement Plans make up the third category of insurance. This suggests that the employer would give its employees access to group health insurance. They will, however, also provide them with a monthly stipend to cover other costs.
Smaller firms should avoid self-funded health insurance options because of their higher risk. Employers pay medical costs and prescriptions for their employees when they come, as opposed to making monthly premium payments.
This last type of insurance is referred to as Associate Health Plans (AHPs), and it is a risky financial choice for small businesses. This occurs when several smaller companies in a certain sector or geographic area work together to negotiate a favorable rate on a large group health insurance plan from an insurance provider.
The following benefit packages are offered to employers and employees in Orlando, Florida, by Taylor Benefits Insurance Agency:
● ACA (Affordable Care Act)
● Corporate health insurance & employee benefits
● large groups
● dental coverage
● vision insurance
● health coverage
● life insurance
● long term care
● Disability insurance, both short and long term
● 401k
● retirement & pension
● section 125 cafeteria
● HSA
Employee contributions to group health insurance plans are permitted. Monthly expenses for employees start at $270, or $3240 annually. Compared to the annual healthcare costs for the ordinary American, employee payments are more than three times lower.
Wellness programs offered through Taylor Benefits in Orlando are designed to complement your group health plan by encouraging healthy behaviors and preventive care. These programs often include resources like fitness challenges, health screenings, smoking cessation support, nutrition guidance, and stress management tools. Employees can participate in these programs to improve their overall well-being while potentially lowering healthcare costs. Integration is seamless because the programs are linked to your existing group health plan, making it easy for employees to access benefits, track progress, and receive incentives without navigating separate systems. Employers also receive regular reporting to understand participation and outcomes, helping them create a healthier and more engaged workforce.
Companies in Orlando with fewer than 50 full time employees are not legally required to provide group health insurance, though many still offer it to attract and retain workers. Businesses with 50 or more employees must typically provide qualifying coverage under federal law.
When an employee leaves, they are removed from the group plan. In most cases, they may qualify for temporary continuation coverage under standard rules.
Most plans require at least two eligible employees, though some carriers may allow one in specific situations depending on eligibility rules.
Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.
We just started working with Taylor Benefits and could not be happier. Todd gave us quite the education as well as some time saving tools to help us manage our HR and save money too. We are looking forward to a long relationship!”
-Carol, Accounting Manager, recruitment marketing company, Campbell, CA
We’re ready to help! Call today: 800-903-6066