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Florida's benefits landscape is intense. Costs keep climbing, provider access varies widely across the state, and employers are feeling squeezed from every direction. At the same time, employees are expecting more support for their health, families, and overall wellbeing - making it harder for organizations to compete without overspending.
For brokers, that creates both pressure and opportunity. The employers you work with need a partner who can translate Florida's complexities into smart, sustainable plan decisions. They're looking for guidance that helps them stretch every dollar while still offering benefits that attract and retain talent.
This guide gives you a clear picture of what's driving costs in Florida, why the market behaves the way it does, and the strategies that consistently help employers control spend. Inside, you'll get practical recommendations, data-backed insights, and a straightforward framework you can put to use right away with clients across the state.
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Florida's average Bronze premium is the 7th highest in the country-and it eats up 7.9% of the median household income, far above the national average.
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