Home health care agencies in Florida
PlanOptica tracks 46 health and welfare plans sponsored by 45 home health care agencies in Florida, covering 35,114 participants and $78M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 106 participants, and the most common size is under 100 participants (50% of plans). The funding mix is split: 50% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of Florida leads by premium with a 25% share, followed by Unitedhealthcare Insurance Company at 11%. Acrisure LLC is the broker of record on 6 plans, more than any other firm, ahead of Brown & Brown Insurance Services (4). 70% of plans report broker compensation on Schedule A; the median brokered plan pays $87K a year, about 6.0% of premium. Miami, Tampa and Clearwater have the most plans.
Funding mix
- Fully insured23 · 50%
- Self-funded14 · 30%
- Mixed9 · 20%
Plan size (participants)
- Under 10023 · 50%
- 100 to 2499 · 20%
- 250 to 4996 · 13%
- 500 to 9992 · 4%
- 1,000 or more6 · 13%
Median plan: 106 participants. Median broker comp: 6.0% of premium across 32 brokered plans.
Top carriers, home health, Florida
- 1Blue Cross Blue Shield of Florida$19M11 plans · 24.8%
- 2Unitedhealthcare Insurance Company$8.5M5 plans · 10.9%
- 3Continental American Insurance Company$7.5M1 plans · 9.6%
- 4Cigna Health and Life Insurance Company and Affiliates$7.1M3 plans · 9.1%
- 5United of Omaha Life Insurance Company$7.0M4 plans · 9.0%
- 6Guardian Life Insurance Company$4.9M6 plans · 6.3%
- 7Aetna Life Insurance Co$4.6M4 plans · 5.9%
- 8Delta Dental Insurance Company$4.5M1 plans · 5.8%
- 9Metropolitan Life Insurance Company$2.1M10 plans · 2.8%
- 10Curative Insurance Company$1.8M2 plans · 2.3%
Top brokers, home health, Florida
- 1Acrisure LLC6 plans$77K comp · 18.8%
- 2Brown & Brown Insurance Services4 plans$255K comp · 12.5%
- 3Marsh & McLennan Agency LLC3 plans$529K comp · 9.4%
- 4Gallagher Benefit Services, Inc3 plans$388K comp · 9.4%
- 5Hub International Midwest Ltd3 plans$353K comp · 9.4%
- 6Alliant Insurance Svcs Inc3 plans$22K comp · 9.4%
- 7Amwins Group Benefits LLC3 plans$12K comp · 9.4%
- 8Webtpa Employer Services LLC3 plans$693 comp · 9.4%
- 9Explain MY Benefits LLC2 plans$604K comp · 6.3%
- 10Usi Insurance Services LLC2 plans$432K comp · 6.3%
Largest home health care agencies in Florida
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Lincare Inc Lincare Inc. Welfare Benefit PlanAll plans | Clearwater | Mixed | 10,201 | $5.8M | United of Omaha Life Insurance Company |
| Vitas Healthcare Vitas Welfare Benefit PlanAll plans | Miramar | Fully insured | 9,675 | $15M | Aflac |
| Sovereign Healthcare Holdings, LLC The Sovereign Healthcare Comprehensive Health and Welfare PlanAll plans | Casselberry | Mixed | 4,109 | $2.4M | United of Omaha Life Insurance Company |
| Empath Health Empath Health Employee Welfare Benefits PlanAll plans | Clearwater | Mixed | 2,241 | $4.1M | The Guardian Life Insurance Company of America |
| Family First Homecare, LLC Family First Homecare, LLC Health and Welfare PlanAll plans | Tampa | Fully insured | 1,937 | $3.1M | Blue Cross of California |
| Homecare Partners Management, LLC Homecare Partners Management, LLC Dba Concierge Home Care Welfare Benefits PlanAll plans | Jacksonville | Fully insured | 1,310 | $5.5M | Cigna Health and Life Insurance Company |
| Pinnacle Home Care Pinnacle Home Care Health and Welfare PlanAll plans | Oldsmar | Fully insured | 950 | $7.1M | Unitedhealthcare Insurance Company |
| Haven Home Healthcare Haven Home Healthcare Employee Health & Welfare Benefits PlanAll plans | Boca Raton | Fully insured | 776 | $2.9M | Blue Cross of California |
| Healthsnap, Inc Healthsnap Ancillary PlanAll plans | Miami | Fully insured | 495 | $3.6M | Blue Cross of California |
| Opuscare Management LLC Opuscare Management LLC Health & Welfare Benefit PlanAll plans | Miami | Fully insured | 421 | $1.6M | Unitedhealthcare Insurance Company |
| Hueman People Solutions, LLC Hueman People Solutions, LLC Welfare Benefits PlanAll plans | Jacksonville Beach | Mixed | 399 | $290K | Metropolitan Life Insurance Company |
| Gulfside Healthcare Services, Inc Gulfside Healthcare Services Welfare Benefit PlanAll plans | Land O Lakes | Fully insured | 379 | $2.9M | Cigna Health and Life Insurance Company |
| B&B Holding Enterprises Inc B&B Holding Enterprises Inc. Welfare PlanAll plans | Coral Gables | Fully insured | 290 | $1.7M | Humana Insurance Company |
| Nsight Health, Inc Nsight Health, Inc. Health and Welfare PlanAll plans | Miami | Mixed | 279 | $140K | The Guardian Life Insurance Company of America |
| Visiting Nurse Association of the Treasure Coast Inc Visiting Nurse Association of the Treasure Coast Health & Welfare PlanAll plans | Vero Beach | Fully insured | 225 | $3.1M | Blue Cross of California |
Showing 15 of 45 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Florida
- Miami11 plans · 1,363 participants
- Tampa5 plans · 2,125 participants
- Clearwater3 plans · 12,442 participants
- Oldsmar2 plans · 953 participants
- Fort Myers2 plans · 301 participants
- Coral Gables2 plans · 291 participants
- Jupiter2 plans · 134 participants
- Doral2 plans · 20 participants
- Miramar1 plans · 9,675 participants
- Casselberry1 plans · 4,109 participants
- Jacksonville1 plans · 1,310 participants
- Boca Raton1 plans · 776 participants
Frequently asked questions
How many home health care agencies in Florida offer an ERISA health plan?
46 health and welfare plans from 45 home health care agencies in Florida appear in plan year 2024 to 2025 filings on Form 5500, covering 35,114 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 home health care agencies in Florida?
By Schedule A premium: Blue Cross Blue Shield of Florida (25% of premium, 11 plans), Unitedhealthcare Insurance Company (11% of premium, 5 plans) and Continental American Insurance Company (10% of premium, 1 plan).
Which benefits brokers work with home health care agencies in Florida?
By number of client plans: Acrisure LLC (6 plans), Brown & Brown Insurance Services (4 plans) and Marsh & McLennan Agency LLC (3 plans). 70% of plans report a broker.
How much do brokers earn on home health care agencies health plans in Florida?
The median brokered plan reports $87K a year in broker commissions and fees, or 6.0% of premium. Figures come from Schedule A, Part I.
Are home health care agencies health plans in Florida self-funded or fully insured?
Fully insured 50%, self-funded 30% and mixed 20%. Self-funded and mixed plans together make up 50%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Home health care services (NAICS 621610), plus healthcare employers whose name says home health or home care.
Prospect home health care agencies 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.
Home health 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). Home health care services (NAICS 621610), plus healthcare employers whose name says home health or home care. Location is the sponsor's filing address in Florida.