Competitive, tax-advantaged employee healthcare plans engineered for Florida small businesses, growing startups, and established commercial enterprises.
In today's competitive Florida job market, comprehensive group health coverage is the single most decisive factor when recruiting top-performing talent. High-quality benefits not only reduce employee turnover and workplace absenteeism—they also unlock powerful federal tax deductions and payroll savings for your company.
Assertive Insurance serves as your outsourced corporate benefits department. Operating from our Hollywood, Florida headquarters, we analyze your employee census, evaluate risk tolerance, and present customized group proposals for companies with 2 to 200+ employees.
We match your risk profile and financial goals to the right group funding structure.
The standard model for small businesses. You pay a fixed monthly premium to the insurer, and the carrier assumes all financial risk for medical claims incurred by your workforce.
A hybrid structure rapidly growing among Florida SMEs. You pay a predictable monthly rate that covers administrative costs, stop-loss insurance, and an estimated claims fund. If claims are low, you get a cash refund.
Allow employees to choose their own individual health plans while your company reimburses their premiums tax-free up to a predetermined monthly budget.
We eliminate human resources headaches by handling the design, underwriting, digital enrollment, and year-round compliance on your company's behalf.
You provide a basic employee census (age, ZIP code, family tier). We review your budget, current coverage, and preferred Florida provider networks.
We quote across Florida's leading health carriers (Florida Blue, UnitedHealthcare, Aetna, Humana, Cigna) and present side-by-side plan cost comparisons.
We conduct employee open enrollment webinars, prepare branded benefit guides, and facilitate paperless online plan selection for your team.
We handle ongoing employee adds/drops, billing reconciliations, COBRA compliance, and renewal negotiations year after year.
Elevate your group health plan with voluntary or employer-sponsored supplemental packages at minimal additional cost.
PPO and DHMO dental networks covering routine cleanings at 100%, basic fillings, crowns, and orthodontic coverage for dependents.
Annual comprehensive eye exams, generous frame allowances, and discounts on laser vision correction through VSP and EyeMed networks.
Guaranteed-issue life insurance (e.g. 1x or 2x annual salary) for all active employees without medical underwriting requirements.
Short-term and long-term income protection ensuring valued team members are supported financially during unexpected illness or injury.
Common questions from Florida business owners, CFOs, and HR managers.
Under Florida law, a small business group health plan requires at least one common-law full-time equivalent employee who is not an owner or spouse. Businesses with as few as two total employees (e.g. 1 owner + 1 W-2 employee) can qualify for comprehensive small group health plans with guaranteed issue rights.
Most insurance carriers require the employer to contribute at least 50% of the single employee-only premium for the baseline or lowest-cost plan option offered. Employers are generally not required to contribute toward dependent or spousal coverage, though many offer 25% to 50% dependent contributions to enhance executive recruiting.
Yes! Dual-option or multi-option benefit menus allow employees who prioritize lower payroll deductions to choose a cost-effective HMO, while colleagues who travel or prefer out-of-network specialist access can select a PPO. Our advisors configure these multi-tier contribution structures seamlessly.
In traditional fully-insured plans, if your employees have a healthy year and use little healthcare, the carrier pockets 100% of the leftover profit. In a level-funded plan, your monthly payment is split into administration, stop-loss coverage, and a claims escrow fund. If claims are below projections, surplus funds in the escrow are refunded back to your company or credited against future premiums.
We structure multi-state group health plans using national carrier networks (such as BlueCard PPO or UnitedHealthcare Choice Plus). This ensures your remote staff in Georgia, Texas, New York, or California receive seamless in-network care locally just like your Florida headquarters team.
From initial census submission to policy activation, the typical timeline is 2 to 3 weeks. However, in expedited situations or off-cycle transitions, our team can complete carrier quotes in 48 hours and finalize enrollment in under 10 business days.
Request a comprehensive corporate benefits proposal. We analyze your workforce census and present competitive carrier quotes within 2 business days.
