Dental practices in Florida
PlanOptica tracks 36 health and welfare plans sponsored by 33 dental practices in Florida, covering 9,991 participants and $33M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 111 participants, and the most common size is under 100 participants (44% of plans). Most of these plans are self-funded or mixed (61%), so stop-loss and TPA relationships matter as much as the medical carrier.
Unitedhealthcare Insurance Company leads by premium with a 45% share, followed by Aetna Life Insurance Company at 12%. Lockton Companies, LLC is the broker of record on 3 plans, more than any other firm, ahead of Marsh & McLennan Agency LLC (3). 56% of plans report broker compensation on Schedule A; the median brokered plan pays $56K a year, about 7.7% of premium. Miami, Tampa and Oldsmar have the most plans.
Funding mix
- Self-funded16 · 44%
- Fully insured12 · 33%
- Mixed6 · 17%
- MEWA2 · 6%
Plan size (participants)
- Under 10016 · 44%
- 100 to 24910 · 28%
- 250 to 4996 · 17%
- 500 to 9991 · 3%
- 1,000 or more3 · 8%
Median plan: 111 participants. Median broker comp: 7.7% of premium across 20 brokered plans.
Top carriers, dental, Florida
- 1Unitedhealthcare Insurance Company$15M3 plans · 45.3%
- 2Aetna Life Insurance Company$4.1M2 plans · 12.2%
- 3Cigna Health and Life Insurance Company$2.9M4 plans · 8.6%
- 4Sentara Advantage Pos$2.2M1 plans · 6.5%
- 5United of Omaha Life Insurance Company$2.1M4 plans · 6.4%
- 6Blue Cross Blue Shield of Florida$2.0M4 plans · 6.1%
- 7Health Options$1.0M1 plans · 3.1%
- 8Life Insurance Company of North America$1.0M2 plans · 3.1%
- 9United Healthcare Insurance Company$861K1 plans · 2.6%
- 10Lincoln National Life Insurance Company$388K3 plans · 1.2%
Top brokers, dental, Florida
- 1Lockton Companies, LLC3 plans$320K comp · 15.0%
- 2Marsh & McLennan Agency LLC3 plans$215K comp · 15.0%
- 3The HDH Group, Inc3 plans$34K comp · 15.0%
- 4Gis Benefits Inc3 plans$19K comp · 15.0%
- 5Bennett & Associates2 plans$67K comp · 10.0%
- 6Hub International Midwest Limited2 plans$44K comp · 10.0%
- 7Willis Towers Watson Northeast Inc2 plans$17K comp · 10.0%
- 8Watchtower Benefits, LLC2 plans$2K comp · 10.0%
- 9Mercer Health & Benefits, LLC1 plans$456K comp · 5.0%
- 10James F. Tullis & Associates, Inc1 plans$87K comp · 5.0%
Largest dental practices in Florida
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Dental Care Alliance, LLC Dental Care Alliance, LLC Welfare Benefit PlanAll plans | Sarasota | Fully insured | 2,372 | $2.3M | United of Omaha Life Insurance Company |
| Guardian Dentistry Practice Management, LLC Guardian Dentistry Employee BenefitsAll plans | Miami | Mixed | 1,631 | $440K | United of Omaha Life Insurance Company |
| Sage Dental Management, LLC Sage Dental Management, LLC Employee Welfare PlanAll plans | Boca Raton | MEWA | 1,429 | $13M | Unitedhealthcare Insurance Company |
| Intelident Solutions, LLC Intelident Solutions, LLC Welfare Benefits PlanAll plans | Tampa | Fully insured | 626 | $2.9M | Cigna Health and Life Insurance Company |
| Smile Design Dentistry Smile Design Dentistry Welfare Benefit PlanAll plans | Tampa | Fully insured | 456 | $1.4M | Upmc Health Options |
| Greenberg Dental Associates LLC Greenberg Dental Associates LLCAll plans | Altamonte Springs | Fully insured | 446 | $861K | United Healthcare Insurance Company |
| Dental Health Group, P.A Dental Health Group, P.A. Welfare and Fringe Benefit PlanAll plans | Miami Gardens | Mixed | 424 | $1.1M | Life Insurance Company of North America |
| Operation Dental Operation Dental Health & Welfare PlanAll plans | Orlando | Mixed | 341 | $397K | Cigna Health and Life Insurance Company |
| TDN Aso, LLC TDN Aso LLCAll plans | Tampa | MEWA | 269 | $1.8M | Unitedhealthcare Insurance Company |
| Atlantic Dental Care PLC Atlantic Dental Care PLC Welfare Benefit PlanAll plans | Estero | Fully insured | 212 | $2.4M | Sentara Health Plan |
| DDS Lab DDS Lab LLCAll plans | Tampa | Fully insured | 210 | $1.6M | Aetna Life Insurance Company |
| Leixir Holdings, Inc Health PlanAll plans | Oldsmar | Self-funded | 179 | - | - |
| Blue Sea Dental, LLC Blue Sea Dental Welfare Benefits PlanAll plans | Fort Myers | Fully insured | 122 | $652K | Blue Cross of California |
| Parkview Dental Partners Parkview Dental PartnersAll plans | Lakewood Ranch | Mixed | 119 | $708K | Blue Cross of California |
| Correctional Dental Provider Network, PLLC Correctional Dental Provider Network Health and Welfare Benefit PlanAll plans | Port Saint Lucie | Mixed | 112 | $2.7M | Aetna Life Insurance Company |
Showing 15 of 33 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Florida
- Miami9 plans · 1,675 participants
- Tampa6 plans · 1,755 participants
- Oldsmar3 plans · 479 participants
- Altamonte Springs2 plans · 813 participants
- South Miami2 plans · 17 participants
- Coral Gables2 plans · 6 participants
- Sarasota1 plans · 2,372 participants
- Boca Raton1 plans · 1,429 participants
- Miami Gardens1 plans · 424 participants
- Orlando1 plans · 341 participants
- Estero1 plans · 212 participants
- Fort Myers1 plans · 122 participants
Frequently asked questions
How many dental practices in Florida offer an ERISA health plan?
36 health and welfare plans from 33 dental practices in Florida appear in plan year 2024 to 2025 filings on Form 5500, covering 9,991 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most dental practices in Florida?
By Schedule A premium: Unitedhealthcare Insurance Company (45% of premium, 3 plans), Aetna Life Insurance Company (12% of premium, 2 plans) and Cigna Health and Life Insurance Company (9% of premium, 4 plans).
Which benefits brokers work with dental practices in Florida?
By number of client plans: Lockton Companies, LLC (3 plans), Marsh & McLennan Agency LLC (3 plans) and The HDH Group, Inc (3 plans). 56% of plans report a broker.
How much do brokers earn on dental practices health plans in Florida?
The median brokered plan reports $56K a year in broker commissions and fees, or 7.7% of premium. Figures come from Schedule A, Part I.
Are dental practices health plans in Florida self-funded or fully insured?
Self-funded 44%, fully insured 33% and mixed 17%. Self-funded and mixed plans together make up 61%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery.
Prospect dental practices in Florida
Open the welfare search with Florida and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Dental in nearby states
Other healthcare specialties in Florida
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery. Location is the sponsor's filing address in Florida.