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Florida Group Health Insurance For Groups of 1 to 3 employees

Unlike most other agencies, we will write group health insurance for groups of 2 or 3 employees

Groups of 2 or 3 employees - We get calls just about every day from "Mom & Pop" businesses looking for group health insurance. Sometimes their might be as many three employees total. Individual insurance is not an option for them because of a preexisting condition.

Sadly, even though there are plenty of companies that will permit groups of 2 or 3 employees, it is almost impossible to find an agent who will write this business. Let me explain why.

Contrary to what you are thinking, health insurance companies do not voluntarily choose to write small groups. One major claim or even a few minor ones can wipe out any profit margins. Since they must cover all preexisting conditions, they are going to get stuck for all of the prescriptions, doctor visits, testing and any future hospitalizations for those conditions. Generally, it is just lousy business to write.

To keep the number of applications for small groups to a minimum, the insurance carriers have come up with an ingenious but simple method to discourage applications - they pay agents next to nothing for writing them. A small group with $2000 a month in premium might provide the agent with a commission not quite large enough to take the family to Burger King. Since time is money and so on, the agents will not take the business.

We will, under certain circumstances, write a Florida group health insurance plan for groups of 2 or 3 employees. We write these plans for our customers as a curtesy. Call me and I will give you details about how you can become one of our clients.


Please call us at 800-986-4786 for more information about these and other Florida small business group health insurance plans.