What Small Group Health Insurance Costs in Brevard County (2026)
Brevard County rates are 5–10% below Central Florida, reflecting the county's lower healthcare cost structure. The Space Coast's higher-wage workforce profile often reduces SHOP credit eligibility — but the lower premium baseline partially offsets this. Figures below represent employer cost at 50% single-employee contribution.
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Brevard County Premium Ranges by Group Size
| Group Size | Bronze (avg age 38) | Silver | Gold |
|---|---|---|---|
| 3 employees | $350–$470/mo | $445–$600/mo | $535–$720/mo |
| 5 employees | $580–$785/mo | $740–$1,000/mo | $895–$1,200/mo |
| 8 employees | $930–$1,255/mo | $1,185–$1,595/mo | $1,430–$1,925/mo |
| 10 employees | $1,160–$1,570/mo | $1,480–$1,995/mo | $1,790–$2,410/mo |
Net Cost After SHOP Credit — Brevard County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $38k, Bronze | $680/mo | 35% | $442/mo |
| 8 employees, avg wage $50k, Bronze | $1,090/mo | 20% | $872/mo |
| 10 employees, avg wage $65k, Silver | $1,740/mo | 0% | $1,740/mo |
Brevard's High-Wage Profile: Many Space Coast businesses have average wages above $62,000 — particularly in aerospace, engineering, and defense contracting. These businesses typically don't qualify for the SHOP credit, but the §162 deduction still reduces net cost by the employer's marginal tax rate (typically 25–37%). Even without the credit, a $1,200/month Bronze premium costs approximately $750–$900/month after-tax for a C-corp or S-corp paying federal income tax.
Get an Exact Brevard County Cost Quote
We provide exact premium quotes for Brevard County groups. Call or use the form. Florida License #L088529.