What Small Group Health Insurance Costs in Orange County (2026)
Orange County (Orlando) is Florida's Central Florida baseline — the midpoint against which other county rates are typically measured. With AdventHealth and Orlando Health both serving the market and strong carrier competition from Florida Blue, Aetna, Oscar, and Ambetter, Orange County offers a balance of network quality and premium competitiveness. Figures below represent employer cost at 50% single-employee contribution.
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Orange County Premium Ranges by Group Size
| Group Size | Bronze (avg age 36) | Silver | Gold |
|---|---|---|---|
| 3 employees | $360–$490/mo | $460–$622/mo | $555–$750/mo |
| 5 employees | $600–$810/mo | $765–$1,035/mo | $925–$1,250/mo |
| 8 employees | $960–$1,295/mo | $1,225–$1,655/mo | $1,480–$2,000/mo |
| 10 employees | $1,200–$1,620/mo | $1,530–$2,065/mo | $1,850–$2,500/mo |
| 15 employees | $1,800–$2,430/mo | $2,295–$3,098/mo | $2,775–$3,750/mo |
Net Cost After SHOP Credit — Orange County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $31k, Bronze | $705/mo | 50% | $353/mo |
| 8 employees, avg wage $41k, Bronze | $1,128/mo | 32% | $767/mo |
| 10 employees, avg wage $50k, Silver | $1,800/mo | 20% | $1,440/mo |
| 15 employees, avg wage $38k, Bronze | $2,115/mo | 40% | $1,269/mo |
Orlando's Tourism and Hospitality Sector: Orange County's tourism economy — theme parks, hotels, restaurants, and event services — creates a large population of small businesses with workforces that consistently qualify for maximum or near-maximum SHOP credit. Hospitality and food service employees in the Orlando area typically average $28,000–$36,000, putting most tourism-adjacent employers in the 40–50% SHOP credit tier. For a 10-person hospitality employer at 50% credit, a Bronze plan's $1,200 gross monthly cost becomes $600 net — a number that changes the math on whether to offer coverage.
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We provide exact premium quotes for Orange County groups across all carriers. Call or use the form. Florida License #L088529.