Small Business Health Insurance in Jacksonville, FL

Empower Your Team with Affordable Group Health Plans

As a small business owner, you know your employees are the backbone of your success. Offering quality health insurance isn’t just a benefit—it’s a business decision that can improve retention, productivity, and morale. At SunLife Benefits Group, we help employers in Jacksonville, FL, and surrounding areas create customized group health plans that balance affordability and quality.


Whether you’re a startup with just a few team members or a growing business ready to offer formal benefits, we provide ACA-compliant, cost-effective coverage designed for small business needs.


We don’t offer one-size-fits-all solutions. We tailor each recommendation to your business size, budget, and goals—with expert guidance at every step.

Woman working on a laptop, calculating finances with a calculator, surrounded by financial charts and graphs.

Why Offer Health Insurance to Employees?

Providing group health insurance sends a powerful message: you value your team. It’s also a smart way to attract top talent and reduce turnover in today’s competitive labor market.

Top reasons small business owners in Jacksonville offer employee health benefits:

  • Improves employee job satisfaction and loyalty
  • Increases productivity and reduces absenteeism
  • Provides tax advantages for employers
  • Helps you compete with larger companies
  • Strengthens workplace morale and trust
  • Shows leadership and care for your team’s well-being


Even if you think your business is “too small,” there are affordable options available—including plans with as few as 2–3 employees.

Who Needs Life Insurance?

Many people assume life insurance is something to worry about “later.” But the truth is, the earlier you secure coverage, the more affordable and effective it can be. You should consider life insurance if:

  • You’re a parent or caregiver
  • You have student loans, a mortgage, or debt
  • You’re married or in a long-term relationship
  • You own a small business
  • You’re saving for future expenses, like college
  • You want to leave behind a tax-free benefit for loved ones

If you already have a policy through work, it may not be enough—and it likely doesn’t go with you if you change jobs. We’ll help you secure portable, long-term coverage you can rely on.

Our Small Business Insurance Services

At SunLife Benefits Group, we help you navigate your options and implement a plan that works—for you and your employees. Our services include:

Group Health Insurance Plans

Choose from a wide range of PPO and HMO options from top carriers. Plans cover preventive care, doctor visits, hospital services, prescriptions, and more.

ACA Compliance Assistance

We ensure your health plan meets Affordable Care Act (ACA) requirements, so you avoid penalties and stay compliant with state and federal laws.

Dental & Vision Add-Ons

Offer comprehensive benefits by including dental and vision coverage—available as standalone or bundled with health plans.

Contribution Strategy & Budget Planning

We help you understand your employer contribution options, whether you want to cover premiums in full or share costs with employees.

Supplemental & Voluntary Benefits

Boost your benefits package with accident, critical illness, hospital indemnity, and short-term disability plans. These are often employee-paid and cost-neutral to employers.

Employee Education & Onboarding

We provide easy-to-understand benefit summaries, answer employee questions, and offer support during enrollment—so everyone feels confident.

Who We Serve

We work with small businesses across industries, including:

  • Retail shops and restaurants
  • Independent contractors and consultants
  • Family-owned companies
  • Professional services (law firms, CPAs, real estate offices)
  • Trades (construction, HVAC, landscaping)
  • Nonprofits and startups


Whether you have 2 employees or 50, we’ll help you find a plan that delivers real value—without breaking your budget.

Why Jacksonville Businesses Choose SunLife

With over 7 years of experience, we understand the unique challenges small business owners face. Our mission is to simplify the process, reduce the stress, and provide tailored recommendations that fit your team and your finances.

Here's what sets us apart:

  • Independent broker access to multiple carriers and plan types
  • No-cost consultations and unbiased plan comparisons
  • Compliance expertise to help you avoid penalties
  • Local agents who understand Jacksonville’s business landscape
  • Ongoing support for renewals, claims issues, and employee changes


We’re not just here to sell a policy—we’re here to support your business long-term.

FAQs – Small Business Health Insurance

  • How many employees do I need to offer group coverage?

    In Florida, most carriers require at least 2 full-time employees to start a group plan. We’ll help you confirm eligibility and options for your team size.

  • Is small business health insurance expensive?

    Group plans can be more affordable than you think—especially with shared contributions or level-funded options. We’ll help you find the right balance between cost and coverage.

  • Are small businesses required to offer health insurance?

    If you have fewer than 50 full-time equivalent employees, you’re not legally required to offer coverage. However, doing so offers tax benefits and helps with employee retention.

  • Can my employees choose their own plans?

    Yes. With certain plan structures, employees can choose from multiple plan tiers, allowing them to select the coverage that suits their needs.

Let’s Build a Plan That Works for Your Business

You’ve worked hard to build your business. Now, let’s build a benefits package that supports your team, improves your recruitment, and gives your employees the coverage they deserve.

At SunLife Benefits Group, we take the guesswork out of small business insurance with personalized service, in-depth comparisons, and local support you can count on.