Veterinary practices in Florida
PlanOptica tracks 12 health and welfare plans sponsored by 12 veterinary practices in Florida, covering 10,621 participants and $30M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 119 participants, and the most common size is under 100 participants (42% of plans). Most of these plans are self-funded or mixed (83%), so stop-loss and TPA relationships matter as much as the medical carrier.
Unitedhealthcare Insurance Company leads by premium with a 41% share, followed by Cigna Health and Life Insurance Company at 16%. Gallagher Benefit Services, Inc is the broker of record on 3 plans, more than any other firm, ahead of Gis Benefits Inc (2). 58% of plans report broker compensation on Schedule A; the median brokered plan pays $125K a year, about 5.9% of premium. Tampa, Miami and Palm Beach Gardens have the most plans.
Funding mix
- Self-funded5 · 42%
- Mixed5 · 42%
- Fully insured2 · 17%
Plan size (participants)
- Under 1005 · 42%
- 100 to 2493 · 25%
- 250 to 4990 · 0%
- 500 to 9991 · 8%
- 1,000 or more3 · 25%
Median plan: 119 participants. Median broker comp: 5.9% of premium across 7 brokered plans.
Top carriers, veterinary, Florida
- 1Unitedhealthcare Insurance Company$12M3 plans · 41.2%
- 2Cigna Health and Life Insurance Company$4.8M3 plans · 16.2%
- 3Lincoln National Life Insurance Company$4.5M1 plans · 15.1%
- 4Reliastar Life Insurance Company$2.2M1 plans · 7.3%
- 5Kaiser Foundation Health Plan$1.5M1 plans · 5.0%
- 6Continental American Insurance Company$1.1M1 plans · 3.6%
- 7Life Insurance Company of North America$794K1 plans · 2.7%
- 8Hartford Life and Accident$739K1 plans · 2.5%
- 9The Guardian Life Insurance Company of America$735K2 plans · 2.5%
- 10United of Omaha Life Insurance Company$378K2 plans · 1.3%
Top brokers, veterinary, Florida
- 1Gallagher Benefit Services, Inc3 plans$38K comp · 42.9%
- 2Gis Benefits Inc2 plans$12K comp · 28.6%
- 3Edgewood Partners Insurance Center1 plans$482K comp · 14.3%
- 4Willis Towers Watson US LLC1 plans$438K comp · 14.3%
- 5Patriot Growth Insurance Svcs, LLC1 plans$268K comp · 14.3%
- 6Hub International Midwest Limited1 plans$125K comp · 14.3%
- 7Mark Mettille1 plans$13K comp · 14.3%
- 8Marsh & McLennan Agency LLC1 plans$13K comp · 14.3%
- 9Brown & Brown Insurance Svcs, Inc1 plans$9K comp · 14.3%
- 10Plastridge Agency, Inc1 plans$9K comp · 14.3%
Largest veterinary practices in Florida
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Bluepearl Veterinary Partners Bluepearl Veterinary Partners Welfare Plan Fka Florida Veterinary SpecialistsAll plans | Tampa | Mixed | 5,831 | $8.9M | The Lincoln National Life Insurance Company |
| United Veterinary Care United Veterinary Care Health and Welfare PlanAll plans | Palm Beach Gardens | Fully insured | 2,365 | $4.1M | Kaiser Foundation Health Plan Inc |
| Avg Intermediate Holdings, LLC Avg Intermediate Holdings, LLC Avg Intermediate Holdings, Health & Welfare PlanAll plans | Tampa | Mixed | 1,382 | $11M | Unitedhealthcare Insurance Company |
| Lap of Love Services LLC Lap of Love Services LLC Employee Benefit Welfare PlanAll plans | Lutz | Fully insured | 598 | $5.1M | Cigna Health and Life Insurance Company |
| Veterinary Orthopedic Implants, LLC Dba Movora Veterinary Orthopedic Implants, LLC Dba Movora Health and Welfare PlanAll plans | Saint Augustine | Mixed | 136 | $146K | United of Omaha Life Insurance Company |
| Southeast Veterinary Neurology Southeast Veterinary Neurology, P.AAll plans | Miami | Mixed | 129 | $103K | Principal Life Insurance Company |
| Tampa Bay Veterinary Group Tampa Bay Veterinary Group Employee Benefits PlanAll plans | Tampa | Mixed | 109 | $83K | Cigna Health and Life Insurance Company |
| Robert E Hess, Jr., DVM, PA Winter Park Veterinarian Hospital - Medical PlanAll plans | Winter Park | Self-funded | 46 | - | - |
| Royal Vet Florida LLC Royal Vet Florida LLC GHT Benefit PlanAll plans | Miami | Self-funded | 10 | - | - |
| Lake Osborne Veterinary Clinic Inc Lake Osborne Veterinary Clinic Inc 401(k) PlanAll plans | Lake Worth | Self-funded | 6 | - | - |
| Pinecrest Vets & Pets LLC Pinecrest Vets & Pets LLC GHT Benefit PlanAll plans | Pinecrest | Self-funded | 5 | - | - |
| Gables Animal Health Center, Inc Gables Animal Health Center, Inc. GHT Benefit PlanAll plans | Coral Gables | Self-funded | 4 | - | - |
Plans by city in Florida
- Tampa3 plans · 7,322 participants
- Miami2 plans · 139 participants
- Palm Beach Gardens1 plans · 2,365 participants
- Lutz1 plans · 598 participants
- Saint Augustine1 plans · 136 participants
- Winter Park1 plans · 46 participants
- Lake Worth1 plans · 6 participants
- Pinecrest1 plans · 5 participants
- Coral Gables1 plans · 4 participants
Frequently asked questions
How many veterinary practices in Florida offer an ERISA health plan?
12 health and welfare plans from 12 veterinary practices in Florida appear in plan year 2024 to 2025 filings on Form 5500, covering 10,621 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 veterinary practices in Florida?
By Schedule A premium: Unitedhealthcare Insurance Company (41% of premium, 3 plans), Cigna Health and Life Insurance Company (16% of premium, 3 plans) and Lincoln National Life Insurance Company (15% of premium, 1 plan).
Which benefits brokers work with veterinary practices in Florida?
By number of client plans: Gallagher Benefit Services, Inc (3 plans), Gis Benefits Inc (2 plans) and Edgewood Partners Insurance Center (1 plan). 58% of plans report a broker.
How much do brokers earn on veterinary practices health plans in Florida?
The median brokered plan reports $125K a year in broker commissions and fees, or 5.9% of premium. Figures come from Schedule A, Part I.
Are veterinary practices health plans in Florida self-funded or fully insured?
Self-funded 42%, mixed 42% and fully insured 17%. Self-funded and mixed plans together make up 83%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital.
Prospect veterinary 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.
Veterinary 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). Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital. Location is the sponsor's filing address in Florida.