|⏳ HEALTH INSURANCE AGENCY |⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳

Group Health Insurance

Steve Turner Insurance Specialist offers you, your family and your business the complete array of Insurance Services you need to protect and provide for their Group Health Insurance needs.

My goals are to (1) Listen to you tell me about your insurance needs, budget, and the outcome you require, and (2) Educate you on your various options, and (3) Setup the insurance plans you have selected and get your insurance coverage established.

Not sure what what type of insurance is best for your Personal, Family, or Business? No worries! Most of my clients aren’t sure when they first reach out to us. I’ll discuss with you all your insurance options pro’s and con’s so YOU can make the choices that fit your budget.

Tap the+1.813.388.8373button to call me now, or the “Book-A-Call” button to pick a time on my calendar for a chat. I look forward to answering your questions and helping you find the right insurance to fit your needs.


OUR RESULTS

LISTENING SKILLS

SCORE = 100

PLAN CHOICES

SCORE = 100

BUDGET FIT

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GROUP HEALTH INSURANCE

Do I Need Group Health Insurance?

Group Health Insurance

As an independent insurance broker with extensive experience in the Florida market, we offer a comprehensive suite of Group Health Insurance Plans designed to help your business attract and retain top talent. Our services are not just about providing quotes; we act as your strategic benefits consultant. We offer a wide range of plan types from all major Florida carriers, including HMOs, PPOs, and innovative High-Deductible Health Plans (HDHPs) paired with Health Savings Accounts (HSAs). Our process includes a deep analysis of your company’s needs and budget, a full market comparison of your options, and hands-on assistance with employee enrollment and education.

When choosing a broker, the most essential questions you can ask should test their level of service and independence. You must ask if they are an independent broker appointed with all the major carriers in Florida, ensuring you get an unbiased, market-wide comparison. Inquire about the year-round support they provide after the initial enrollment, including handling claims issues and new hire onboarding. Crucially, ask what services they provide during open enrollment, specifically if they will lead employee meetings to educate your team on their benefits. The right broker is a long-term partner who will act as your outsourced benefits department, saving you time and money while providing significant value to your employees.


Group Health Insurance Plans We Offer: A Florida Broker’s Guide to Attracting & Retaining Top Talent

In the competitive Florida job market of 2025, attracting and retaining top talent is your biggest challenge and your greatest opportunity. While a competitive salary is essential, a high-quality, affordable group health insurance plan is often the deciding factor that makes a great employee choose you over a competitor—and, more importantly, stay with you for the long term. A strategic benefits package is not an expense; it is a direct investment in your people, your culture, and your company’s future success.

But for a busy business owner, the process of selecting, implementing, and managing a group health plan can be incredibly complex and time-consuming. Navigating the different plan types, contribution strategies, and compliance requirements can feel like a full-time job.

As an independent insurance broker who has spent many years helping Florida businesses design and implement strategic benefits packages, I understand this challenge. My role is to be your expert guide and advocate. Because we are an independent brokerage, our loyalty is to you, our client, not to any single insurance company. Our job is to understand your unique business needs and budget, and then to search the entire market to find the plan that provides the best possible value for both you and your employees.

This guide is my comprehensive blueprint for you, the business owner. It will demystify the world of group health insurance, explain the options available to your Florida-based business, and provide you with the critical questions you must ask to choose a broker who can become a true partner in your success.


Part 1: Understanding the Landscape of Group Health Insurance in Florida

Before we dive into plan types, it’s important to understand why offering group health insurance is such a powerful business strategy.

  • Attracting & Retaining Top Talent: In a tight labor market, a strong benefits package is a key differentiator. It shows potential hires and current employees that you are invested in their well-being.
  • Significant Tax Advantages: Your contributions to employee premiums are generally 100% tax-deductible as a business expense. Additionally, employees pay their share of the premium with pre-tax dollars, lowering their taxable income.
  • A Healthier, More Productive Workforce: Employees with good health insurance are more likely to seek preventive care and address health issues early, leading to less absenteeism and a more productive team.

Key Plan Types We Offer

We work with all the major, A-rated insurance carriers in Florida (like Florida Blue, Aetna, Cigna, UnitedHealthcare, and others) to offer a full spectrum of plan types.

  • HMO (Health Maintenance Organization): These plans often offer the most affordable premiums. They use a specific network of doctors and hospitals, and employees are required to choose a Primary Care Physician (PPCP) who coordinates their care and provides referrals to see specialists.
  • PPO (Preferred Provider Organization): These plans offer more flexibility.1 Employees have a network of “preferred” providers where their costs are lowest, but they have the freedom to see out-of-network providers, albeit at a higher cost. Referrals are generally not required to see specialists.
  • EPO (Exclusive Provider Organization): A hybrid model where employees must stay in-network like an HMO, but they generally do not need a referral to see a specialist.
  • High-Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs): This is an increasingly popular and powerful option. HDHPs have a lower monthly premium but a higher annual deductible. They are the only type of plan that can be paired with an HSA, a triple-tax-advantaged savings account that employees (and employers) can contribute to. The funds in an HSA can be used for medical expenses, they grow tax-deferred, and they are owned by the employee forever, even if they leave the company.

Part 2: A Deeper Dive into Our Group Health Insurance Services

A professional broker does far more than just “get you quotes.” We act as your outsourced benefits department, providing a complete, end-to-end service.

A. Strategic Consultation & Needs Analysis

Our process begins with a deep dive into your business. We don’t believe in a one-size-fits-all approach.

  • Business & Employee Analysis: We’ll discuss your budget, your goals for the benefits plan, and your employee demographics (a “census” including ages and dependents). For a construction company in the Citrus Park area with a younger workforce, a cost-effective HDHP/HSA plan might be a great fit. For a law firm with an older workforce, a more traditional PPO might be better.
  • Contribution Strategy: We consult with you on how to structure your employer contribution. Will you pay a percentage (e.g., 75%) of the employee-only premium, or a flat dollar amount? We can model different scenarios to help you find the sweet spot between affordability for the business and value for the employees.

B. Comprehensive Market Analysis & Unbiased Recommendations

As an independent broker, we go to market on your behalf.

  • Quote Gathering: We submit your group’s census to all the major carriers in Florida to get competitive quotes for a variety of plan designs.
  • Side-by-Side Comparison: We distill the dozens of complex plan options into a simple, easy-to-understand spreadsheet. This comparison will clearly show the premiums (both employer and employee cost), deductibles, copayments, and network highlights for each option, allowing you to make an informed, apple-to-apples decision.

C. Plan Implementation & Employee Onboarding

This is a critical service where we take the administrative burden off your shoulders.

  • Master Application & Paperwork: We handle the entire master application process with the chosen insurance carrier.
  • Employee Enrollment Meetings: We will conduct open enrollment meetings for your team, either in-person at your location or via a live webinar. We will professionally present the new benefits, clearly explain how the plan works, and answer all of your employees’ questions directly. This ensures your team understands and appreciates the valuable benefit you are providing.
  • Enrollment Processing: We collect and process all employee enrollment forms, ensuring they are submitted to the carrier correctly and on time.

D. Year-Round Service & Support

Our partnership doesn’t end when open enrollment is over. We are your dedicated support resource for the entire plan year.

  • Ongoing Administration: We handle all new hire enrollments and employee terminations throughout the year.
  • Employee Advocacy: If an employee has a complex claim issue, a billing dispute, or trouble finding a specialist, they can call us. We will act as their advocate with the insurance company to help resolve the issue.
  • Compliance Support: We provide guidance and resources to help you stay compliant with healthcare regulations like the ACA and COBRA.

E. The Proactive Annual Renewal & Strategy Review

We don’t wait for the renewal notice to land on your desk.

  • Proactive Renewal Management: 90-120 days before your plan’s renewal date, we will proactively engage with the carrier to begin negotiations.
  • Annual Market Review: We will re-shop the market every year to ensure your current plan is still the most competitive and cost-effective option available.
  • Strategic Review: We will meet with you to discuss your renewal, analyze your plan’s performance, and make strategic recommendations for the upcoming year.

Part 3: The Ultimate Vetting Checklist – 10 Questions to Ask Any Group Health Broker 🕵️‍♀️

Choosing the right broker is a critical business decision. Use these ten questions to find a true partner.

1. “Are you an independent broker, and how many different insurance carriers are you appointed with for group health insurance in Florida?”

  • Why it’s vital: This is the #1 question. A captive agent can only offer their company’s products. An independent broker works for you and can search the entire market to find the best plan at the most competitive price.

2. “What is your process for analyzing our company’s unique needs and budget before you go to market for quotes?”

  • Why it’s vital: This tests their consultative approach. A great broker will start by learning about your business, not by immediately showing you a spreadsheet of plans.

3. “What services do you provide during our employee open enrollment? Will you personally lead the employee meetings and answer their questions?”

  • Why it matters: This is a key differentiator. A broker who will personally educate your employees takes a huge administrative and communication burden off your shoulders and significantly increases the value of your benefits package.

4. “What level of year-round service and support do you provide after the plan is in place? Who is my day-to-day contact for administrative issues or employee questions?”

  • Why it matters: This separates a broker who provides true service from one who is just a salesperson who disappears after the enrollment is complete.

5. “How do you help our business stay compliant with healthcare regulations like the ACA’s employer reporting requirements?”

  • Why it matters: This tests their knowledge beyond just the insurance products themselves. A great broker acts as a resource to help you navigate the complex world of compliance.

6. “Is there any direct cost to our business for your services?”

  • Why it matters: The answer should be “no.” Brokers are compensated by the insurance carriers through commissions that are built into the insurance premiums, regardless of whether you use a broker or go directly to the carrier. A professional broker’s expert service and advocacy should come at no extra cost to your business.

7. “What is your process for handling our annual renewal? How far in advance do you start working on it, and do you automatically re-shop the market for us?”

  • Why it matters: This tests their proactivity. A great broker will start the renewal process 3-4 months in advance, giving you plenty of time to make a strategic decision without being rushed.

8. “What is your experience with High-Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs)? Can you help educate our employees on how to use an HSA effectively?”

  • Why it matters: This tests their knowledge of modern, consumer-driven health plan designs. HSAs are powerful tools, but they require employee education, which a great broker will provide.

9. “Can you provide references from other local business owners you work with?”

  • Why it matters: This asks for social proof. A great broker will have a long list of happy local clients who can attest to their level of service.

10. “Why should I work with a dedicated broker like you instead of going directly to an insurance carrier or using a payroll company’s integrated offering?”

  • Why it matters: This asks them to directly state their value proposition. A great broker will explain that they provide a higher level of personalized service, a wider range of choices than a single carrier, and more specialized expertise than a typical payroll company.

Part 4: Red Flags vs. Green Lights – Making Your Final Choice of Broker

🚩 Major Red Flags to Run From 🚩

  • Represents Only One Carrier: They are a captive agent, not an independent broker.
  • Doesn’t Offer to Lead Employee Meetings: They are not a full-service partner.
  • Disappears After Open Enrollment: Their model is transactional, not relationship-focused.
  • Is Vague About Compliance Support: They are not equipped to be a true business advisor.
  • Charges Additional Fees: Broker services should be included in the premium.

✅ Bright Green Lights to Look For ✅

  • Is Independent and Represents a Wide Range of Top-Rated Carriers.
  • Provides a Comprehensive, Year-Round Service Model, including claims support and administration.
  • Is an Expert at Employee Communication and Education.
  • Acts as a Strategic Benefits Consultant, not just a salesperson.
  • Feels like a true partner who is invested in your business’s success and the well-being of your employees.

Your Final Decision

Your group health insurance plan is one of the most significant investments you will make in your people, your culture, and your company’s ability to compete in the marketplace. It is too important and too complex to navigate alone.

By partnering with a knowledgeable, independent broker, you gain far more than just access to insurance plans. You gain an outsourced benefits department, a strategic consultant, and a dedicated advocate for both you and your employees. Use this guide to find a true professional partner. Forge that relationship, and you will be able to offer a benefits package that not only protects your team but also helps you build a stronger, more attractive, and more successful business.

To attract and retain the best employees for your business, you have to offer “benefits.” Health insurance is the top need for most employee benefits. I can help you find that plan that gives your employees the most health plan benefits within your budget.

Health Plans & Programs

Whether you focus on providing your employees with “high-value” benefits and choices or offering the lowest-priced alternative, we’ve got you covered.

Everyone deserves quality health care that’s affordable. Florida Blue provides value through health solutions that meet many needs. Whether you focus on providing your employees with “high value” benefits and choices or giving the lowest-priced alternative available, we’ve got you covered.  Our end-to-end approach to care and wellness, including a focus on prevention and personal guidance, ensures excellent outcomes for your employees and real demonstrated value for your business.

Our health plans offer:

  • A wide range of in and out-of-network coverage options.
  • Various network choices, from broad open-access networks to smaller, more managed networks.
  • There is a wide range of cost-sharing options, including varying levels of copay, deductible, and coinsurance amounts and combinations.
  • Integrated solutions with various tax-advantaged financial accounts such as Health Savings, Flexible Spending, or Health Reimbursement Accounts.

Our health plans include:

  • Preventive care services such as checkups, routine mammograms, and screenings provided in-network can be covered at no cost.
  • Prescription drug coverage for generic and brand name medications, plus the convenience of mail order.
  • Shopping tools to help your employees understand the quality and cost of medical services or prescription drugs.
  • Personalized nurse coaching and education programs for employees dealing with diabetes, asthma, heart disease, high cholesterol, depression and more.
  • Better You Strides, powered by CaféWell®, is our online wellness program that creates a personalized plan for each employee with recommended healthy living programs and incentives to help them achieve short and long-term health improvement goals and enhance their overall well being. Our online and mobile platform centralizes and organizes resources and information into a single place for employees to access. Resources include health assessments, activity challenges, tracking tools, educational content, incentives, and monthly reports.
  • A 24-hour nurse line for unexpected and ongoing health care questions any time, day or night.
  • This is a free discount program with savings of up to 50% on gym memberships, nutrition programs, personal care products, and specialty products.
  • Pediatric dental and vision coverage is included in many of our plans.
  • A website and mobile apps to provide your employees with easy access to coverage details, health resources, and cost-saving tools.
  • Superior customer service and care consultations by phone and in person at Florida Blue Centers located throughout Florida.

Networks are comprised of independent contracting health care providers.

Blue Cross and Blue Shield of Florida offer only the high-deductible health benefit plan for use with the Health Savings Account (HSA). An HSA is an individual’s account to manage with HealthEquity or any qualified financial institution or trustee of their choice. For more information on opening an HSA, the tax advantages, and the critical tax implications of HSAs as used with a high-deductible health benefit plan, please get in touch with a tax advisor or a financial institution.

Florida Blue has entered into an arrangement with Welltok, an independent company, whereby Welltok has agreed to provide Florida Blue members with care decision support services, information, and other services. Florida Blue has entered into this arrangement to provide a value-added service to its members. Please remember that all decisions that require or pertain to independent professional medical/clinical judgment or training or the need for medical services are solely your responsibility and the responsibility of your Physicians and other healthcare Providers. The programs mentioned above are subject to change. CaféWell® and Personal Health Itinerary ® are trademarks of Welltok, Inc.

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Dental Plans & Programs

Choices range from PPO-style and copay options to prepaid plans that work like a Dental Health Maintenance Organization (DHMO).

Dental protection is essential for good oral health and overall health. Choices range from PPO-style and copay options to prepaid plans that work like a Dental Health Maintenance Organization (DHMO). Now that’s something to smile about!

  • A wide range of PPO dental plans allow members to visit any dentist anywhere. These plans emphasize preventive care, provide members access to a national dental network, and allow for in and out-of-network coverage. There are options for larger employers (i.e., 51 or more employees) that pay usual and customary fees for out-of-network care.
  • Lower cost copayment dental plans that provide the value and network coverage of a PPO dental plan with the predictability of copayments for all in-network services.
  • Cost-effective pre-paid dental plans for employers with four or more employees. These plans emphasized regular cleanings and preventive services while providing an extensive network of dentists in Florida.

Networks are comprised of independently contracted dentists. BlueDentalSM plans are offered through Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. Limitations and exclusions may apply.

Blue Cross and Blue Shield of Florida, Inc., and its affiliate Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits in Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.

The number of benefits provided depends upon the plan selected, and the premium may vary depending on the chosen benefits.

Networks are comprised of independent contracting health care providers.

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Visions Insurance

Florida Blue offers BlueVision plans so you can offer your employees a valuable benefit at an affordable cost.

Vision care is essential to maintaining a healthy lifestyle. Florida Blue offers BlueVision plans so you can offer your employees a valuable benefit at an affordable cost. Choose from six plans. Each plan includes access to a wide selection of frames, eyeglass lenses, and contacts––many of which are fully covered. Plus, a comprehensive annual eye exam that is fully covered after a $10 copayment, if applicable.


Blue Cross and Blue Shield of Florida, Inc., and its affiliate Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits in Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.

The benefits provided depend upon the plan selected, and the premium may vary with the chosen benefits.

Networks are comprised of independent contracting health care providers.

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Life Insurance

Through our affiliate, Florida Combined Life, we offer LifeEssentialsSM life insurance products with affordable premiums and flexible options designed to provide security and peace of mind.

Life insurance is vital to giving loved ones a secure future if something unexpected happens. Through our affiliate, Florida Combined Life, we offer LifeEssentialsSM life insurance products with affordable premiums and flexible options designed to provide security and peace of mind.

Basic Group Term Life

A term life policy with a death benefit and an accelerated living benefit that pays out 100% to the beneficiary in the event of death regardless of cause and a portion to the insured employee should he or she become terminally ill. This plan includes a waiver of premium in the event the insured employee becomes disabled. There is no buildup of cash value in this plan.

Supplemental Group Term Life

This plan provides additional protection to the Basic Term Life plan. Employees can apply a percentage of their combined Basic and Supplemental Term Life insurance amounts if diagnosed with a terminal condition. Dependent coverage is not available on a supplemental basis.

Voluntary Group Term Life

Voluntary Group Term Life allows employees high amounts of term life insurance protection at a reasonable cost plus accelerated living benefits. In certain circumstances, employees can continue their coverage for themselves and their insured dependents when they change jobs.

Dependent Group Term Life

Dependent Group Term Life insurance gives employees the option of term life for their spouses or unmarried children. This is available for up to 50% of an employee’s Basic Term Life. In a tragedy, benefits are paid regardless of time or cause of death.


Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida, D/B/A Florida Blue offers life insurance. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.

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Disability Insurance

BlueRestoreSM Disability policies offer employees the peace of mind of knowing they have income protection should a disabling condition keep them out of work.

For an employer benefits package that includes employee disability coverage, look no further than BlueRestoreSM Disability policies. When a disabling condition occurs, your employee(s) may be unable to work. Without employment income, they may struggle to cover their everyday living expenses. BlueRestoreSM Disability policies offer employees the peace of mind of knowing they have income protection should a disabling condition keep them out of work.

  • Short-term disability picks up where sick time leaves off. It replaces a portion of an employee’s income for disabling conditions that require short recovery times. You can choose the amount of time preferred. Three to six months or less is typical in most cases. Benefits are paid weekly.
  • Long-term disability protects an employee’s family income from extended absences due to a disabling long-term condition. You choose the length of benefits and the percentage of income employees will receive during their absence. Benefits are paid monthly.

Voluntary Coverage

We offer voluntary insurance products, including life, worker’s compensation, accident, critical illness, and hospital confinement, to help you protect your employees and their families from the unexpected.

Accident

Accident insurance benefits your employee for a loss due to accidental injury. It helps pay for losses or treatments like major diagnostic exams, medical appliances, emergency dental work, etc.

Critical Illness

Critical Illness Insurance delivers lump sum payments to your employees upon the first diagnosis of a covered illness. This insurance protects your employee and their family from the financial impacts that can result from a heart attack, stroke, or cancer.

Hospital Confinement

Hospital Confinement Insurance helps cover the costs associated with hospital stays, such as out-of-pocket deductibles and copays and provides benefits for inpatient expenses.


Voluntary products are provided by USAble Life,  an independent company that operates separately from Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. USAble Life does not sell or service Florida Blue products. USAble Life is the insurer and is solely responsible for the Accident, Critical Illness, and Hospital Indemnity products referenced here.

Blue Cross and Blue Shield of Florida, Inc., and its affiliate Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits, in the state of Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.

The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected.

Networks are comprised of independent contracting health care providers.

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Group HEALTH INSURANCE AGENT AND BROKER NEAR ME

Group Health Insurance

As your Group Health Insurance Agent and Broker, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Group Health Insurance agent, I take the burden off your shoulders by custom-tailoring Group Health Insurance packages to fit your needs.

I can help you save on severe medical emergencies and find a group health insurance plan that offers low- to no-cost doctor visits and prescription medication. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.

Group Health insurance is constantly changing, and I work tirelessly to stay informed about the latest developments in the market.

I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.

After you choose your Group Health Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.

If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.

Steve Turner, Your Helpful Licensed Agent and Broker

FAQ

Group Health Insurance

A “Group Health Plan” (GHP) is health insurance offered by an employer, union, or association to its members while they are still working. GHP coverage is based on current employment. [Group Health Insurance]

Generally, your business won’t qualify for group coverage if you run it yourself and have no employees or are self-employed. However, you can purchase qualified health coverage through the Marketplace for individuals and families. [Group Health Insurance]

Group health insurance has several pros, such as tax advantages, employee familiarity, and the ability to boost retention. However, overall cost and lack of flexibility can be downsides for employers. [Group Health Insurance]

Coverage can only be allowed if a group’s premium is paid by the due date or can end retroactively to the last paid premium date. Employees who have individual or family coverage through a state exchange (such as Covered California) could be declined ACA-compliant health insurance under an employer-sponsored plan. [Group Health Insurance]

Group health premiums are split between the employer and participating employees. Employees can add family members and dependents to group plans for an additional cost. Enrolled employees pay a monthly premium to maintain medical coverage, generally on a pre-tax basis from their paycheck. [Group Health Insurance]

Typically, a temporary employee is not eligible for coverage in a group health policy. Group health policies are usually designed for permanent and full-time employees, including a business owner or partner. [Group Health Insurance]

Individual plans offer broader, more personalized coverage and portability, while group plans provide predictable, employer-managed benefits. [Group Health Insurance]

Insured members often receive certificates of insurance as proof of coverage. If your company offers group term life insurance, you may be unable to “take it with you” if you change jobs. Employer-provided group term life insurance is not always a portable benefit. [Group Health Insurance]

For group health coverage, premiums are calculated for each employee who enrolls in the plan (plus the cost to add a spouse or dependents, if applicable). Then, all of those individual premiums are added together to get the group’s total premium. [Group Health Insurance]

HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers in and out of the network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan. [Group Health Insurance]

YOUR Group Health Insurance REVIEWS

STEVE TURNER INSURANCE SPECIALIST

MAP TO Group Health Insurance

STEVE TURNER INSURANCE SPECIALIST

CONTACT STEVE TURNER INSURANCE AGENT & BROKER

I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.

Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.

Steve Turner is a licensed agent appointed by Florida Blue.

EMAIL ME: 24×7


OFFICE LOCATION

STEVE TURNER INSURANCE SPECIALIST

STEVE TURNER REBC®

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618

I am Steve Turner, a licensed Insurance Agent and licensed Insurance Broker. My number one goal in life is to help people and ensure, without a shadow of a doubt, that you and your family are secure and protected. I will always be by your side, helping you mitigate risk by providing the industry’s best and most affordable insurance solutions. I provide the following Insurance products for All Stages of Your Life: Accident Insurance Plans, Dental Insurance Plans, Disability Insurance Plans, Group Health Insurance Plans, Health Insurance Plans, Life Insurance Plans, Long Term Disability Plans, Medicaid, Medicare, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Medicare Plan G, Medicare Plan N, Medicare Advantage Insurance Plans, Medicare Supplement Insurance Plans, and Prescription Drug Insurance Plans. Visit my website to schedule a chat or ring me anytime.

14502 N Dale Mabry Hwy, Suite 200, Tampa, Florida, 33618, United States, {gps}
Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, Sunday7:00 am – 8:00 pm
Steve Turner Insurance Specialist
2016-01-01
524210

Website: steveturnerinsurancespecialist.com

Email: [email protected]

Phone and Text: +1.813.388.8373

Business Hours:

Monday: 7 am to 8 pm

Tuesday: 7 am to 8 pm

Wednesday: 7 am to 8 pm

Thursday: 7 am to 8 pm

Friday: 7 am to 8 pm

Saturday: 7 am to 8 pm

Sunday: 7 am to 8 pm

Group Health Insurance

The United States: Facts and Top Visitor Sites

The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:

Facts about the USA

The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.

Key U.S. Statistics and Economic Overview

The United States is a global leader in population, economy, and innovation, attracting people from all over the world.

  • Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
  • Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
  • National Parks: 63 national parks across the nation.
  • Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
  • Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
  • Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
  • Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
  • Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
    • Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
    • Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
    • Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
    • Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
  • Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019. 

Top Places for Visitors to Explore in the USA

The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.

  • New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
  • The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
  • Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
  • Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
  • Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
  • Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
  • San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
  • Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
  • Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
  • New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.

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