Skilled nursing and residential care facilities in Florida
PlanOptica tracks 98 health and welfare plans sponsored by 94 skilled nursing and residential care facilities in Florida, covering 69,984 participants and $160M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 283 participants, and the most common size is 100 to 249 participants (32% of plans). The funding mix is split: 37% 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 21% share, followed by Health Options, Inc at 12%. Marsh & McLennan Agency LLC is the broker of record on 21 plans, more than any other firm, ahead of Hub International Midwest Limited (10). 97% of plans report broker compensation on Schedule A; the median brokered plan pays $61K a year, about 7.3% of premium. Orlando, West Palm Beach and Jacksonville have the most plans.
Funding mix
- Fully insured62 · 63%
- Mixed32 · 33%
- Self-funded4 · 4%
Plan size (participants)
- Under 10015 · 15%
- 100 to 24931 · 32%
- 250 to 49924 · 24%
- 500 to 99914 · 14%
- 1,000 or more14 · 14%
Median plan: 283 participants. Median broker comp: 7.3% of premium across 95 brokered plans.
Top carriers, skilled nursing, Florida
- 1Blue Cross Blue Shield of Florida$34M30 plans · 21.4%
- 2Health Options, Inc$19M25 plans · 12.0%
- 3Lincoln National Life Insurance Company$17M8 plans · 10.9%
- 4Unitedhealthcare Insurance Company$9.7M9 plans · 6.0%
- 5Aetna Life Insurance Co$9.5M2 plans · 5.9%
- 6Delta Dental Insurance Company$7.9M3 plans · 4.9%
- 7Cigna Health and Life Insurance Company and Affiliates$7.0M7 plans · 4.4%
- 8The Guardian Life Insurance Company of America$6.9M25 plans · 4.3%
- 9Metropolitan Life Insurance Company$6.7M25 plans · 4.2%
- 10United Healthcare Insurance Company$5.8M4 plans · 3.6%
Top brokers, skilled nursing, Florida
- 1Marsh & McLennan Agency LLC21 plans$981K comp · 22.1%
- 2Hub International Midwest Limited10 plans$550K comp · 10.5%
- 3Brown and Brown of Florida, Inc8 plans$450K comp · 8.4%
- 4Acrisure LLC7 plans$360K comp · 7.4%
- 5Gis Benefits Inc7 plans$197K comp · 7.4%
- 6Usi Insurance Services LLC6 plans$308K comp · 6.3%
- 7Watchtower Benefits, LLC6 plans$37K comp · 6.3%
- 8Explain MY Benefits, LLC5 plans$370K comp · 5.3%
- 9Baldwin Krystyn Sherman Partners5 plans$224K comp · 5.3%
- 10Alliant Insurance Services, Inc4 plans$682K comp · 4.2%
Largest skilled nursing and residential care facilities in Florida
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Discovery SL Management LLC Discovery Senior Living Employee Benefits PlanAll plans | Bonita Springs | Fully insured | 15,017 | $6.5M | Reliastar Life Insurance Company |
| Florida Health Sciences Center, Inc Florida Health Sciences Center, Inc. Group Welfare Benefits PlanAll plans | Tampa | Mixed | 14,774 | $27M | The Lincoln National Life Insurance Company |
| Spring Arbor Management, LLC Spring Arbor Management, LLC Welfare PlanAll plans | Orlando | Mixed | 1,972 | $1.6M | Sun Life Assurance Company of Canada |
| Westminster Services Westminster Services, Inc. Health PlanAll plans | Orlando | Fully insured | 1,890 | $13M | Blue Cross of California |
| Florida Institute for Long Term Care Florida Institute for Long Term Care Health and Welfare PlanAll plans | West Palm Beach | Fully insured | 1,526 | $2.2M | Upmc Health Options |
| Mission Health Communities Mission Health Communities Health and Welfare PlanAll plans | Tampa | Mixed | 1,489 | $1.4M | The Lincoln National Life Insurance Company |
| Solaris Foundation Inc Solaris Foundation, Inc. Welfare Benefits PlanAll plans | Orlando | Fully insured | 1,390 | $7.9M | Aetna Life Insurance Company |
| 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 |
| SBK Capital, LLC SBK Capital LLC Welfare Benefits PlanAll plans | Palm Shores | Mixed | 1,300 | $3.3M | Westport Insurance Corporation |
| Watercrest Senior Living Group Watercrest Senior Living Group Welfare Benefits PlanAll plans | Vero Beach | Fully insured | 1,225 | $2.8M | Aetna Life Insurance Company |
| Mainstay Healthcare Management Mainstay Healthcare ManagementAll plans | Winter Haven | Fully insured | 1,220 | $2.1M | United Healthcare Insurance Company |
| Management Mcoa, LLC Management Mcoa, LLC Welfare Benefits PlanAll plans | Palm Beach Gardens | Mixed | 1,112 | $682K | The Guardian Life Insurance Company of America |
| Pure Health Pure Health Wrap PlanAll plans | Palm Beach Gardens | Mixed | 1,038 | $383K | Metropolitan Life Insurance Company |
| Alivia Care, Inc Alivia Care, Inc. Cafeteria PlanAll plans | Jacksonville | Mixed | 1,012 | $1.7M | Hartford Life and Accident |
| Avante Group, Inc Avante Group Benefit PlansAll plans | Orlando | Mixed | 995 | $532K | The Lincoln National Life Insurance Company |
Showing 15 of 94 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Florida
- Orlando9 plans · 8,017 participants
- West Palm Beach8 plans · 4,193 participants
- Jacksonville6 plans · 2,841 participants
- Sarasota6 plans · 1,241 participants
- Miami6 plans · 924 participants
- Gainesville5 plans · 762 participants
- Tampa3 plans · 16,727 participants
- Fort Myers3 plans · 1,347 participants
- Fort Lauderdale3 plans · 1,157 participants
- Winter Park3 plans · 1,112 participants
- Vero Beach2 plans · 2,167 participants
- Palm Beach Gardens2 plans · 2,150 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Florida offer an ERISA health plan?
98 health and welfare plans from 94 skilled nursing and residential care facilities in Florida appear in plan year 2024 to 2025 filings on Form 5500, covering 69,984 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 skilled nursing and residential care facilities in Florida?
By Schedule A premium: Blue Cross Blue Shield of Florida (21% of premium, 30 plans), Health Options, Inc (12% of premium, 25 plans) and Lincoln National Life Insurance Company (11% of premium, 8 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Florida?
By number of client plans: Marsh & McLennan Agency LLC (21 plans), Hub International Midwest Limited (10 plans) and Brown and Brown of Florida, Inc (8 plans). 97% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Florida?
The median brokered plan reports $61K a year in broker commissions and fees, or 7.3% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Florida self-funded or fully insured?
Fully insured 63%, mixed 33% and self-funded 4%. Self-funded and mixed plans together make up 37%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities 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.
Skilled nursing 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). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Florida.