What Small Group Health Insurance Costs in Duval County (2026)
Duval County (Jacksonville) rates are 5–8% below Central Florida, making Jacksonville one of the more affordable large-metro ACA small group markets in the state. The Jacksonville market has strong carrier competition — Florida Blue, Aetna, and Ambetter all offer competitive rates — which keeps premiums lower than comparable metros. The tables below show employer cost at 50% single-employee contribution.
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Duval County Premium Ranges by Group Size
| Group Size | Bronze (avg age 37) | Silver | Gold |
|---|---|---|---|
| 3 employees | $335–$455/mo | $428–$580/mo | $515–$700/mo |
| 5 employees | $560–$755/mo | $715–$965/mo | $860–$1,165/mo |
| 8 employees | $895–$1,210/mo | $1,140–$1,545/mo | $1,380–$1,865/mo |
| 10 employees | $1,120–$1,515/mo | $1,430–$1,930/mo | $1,725–$2,330/mo |
| 15 employees | $1,680–$2,270/mo | $2,140–$2,895/mo | $2,585–$3,495/mo |
Net Cost After SHOP Credit — Duval County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $30k, Bronze | $658/mo | 50% | $329/mo |
| 8 employees, avg wage $40k, Bronze | $1,050/mo | 35% | $683/mo |
| 10 employees, avg wage $52k, Silver | $1,680/mo | 15% | $1,428/mo |
| 15 employees, avg wage $38k, Bronze | $1,975/mo | 40% | $1,185/mo |
Jacksonville's Carrier Competition Advantage: Duval County has more active ACA small group carrier competition than most Florida markets. Florida Blue (Baptist Health/UF Health Jacksonville in-network), Aetna, and Ambetter all aggressively price Duval County plans. The spread between the lowest-priced and highest-priced carrier for equivalent Bronze coverage is typically 12–18% — larger than most counties. Getting quotes from all three carriers routinely surfaces $80–$150/month savings on a 10-person group, a difference that compounds annually.
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We provide exact premium quotes for Duval County groups across all carriers. Call or use the form. Florida License #L088529.