What Small Group Health Insurance Costs in Volusia County (2026)
Volusia County rates are 8–12% below Central Florida, reflecting the county's lower healthcare utilization compared to the denser Orlando metro. Daytona Beach's large hospitality and tourism sector, combined with the inland residential and retail economy around Deltona and Deland, creates a workforce profile with strong SHOP credit eligibility for most small businesses. Figures below represent employer cost at 50% single-employee contribution.
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Volusia County Premium Ranges by Group Size
| Group Size | Bronze (avg age 38) | Silver | Gold |
|---|---|---|---|
| 3 employees | $320–$433/mo | $409–$553/mo | $493–$667/mo |
| 5 employees | $533–$721/mo | $680–$920/mo | $820–$1,108/mo |
| 8 employees | $853–$1,154/mo | $1,090–$1,474/mo | $1,313–$1,775/mo |
| 10 employees | $1,067–$1,442/mo | $1,362–$1,841/mo | $1,642–$2,219/mo |
Net Cost After SHOP Credit — Volusia County
| Scenario | Gross Monthly | SHOP Credit | Net Monthly |
|---|---|---|---|
| 5 employees, avg wage $30k, Bronze | $627/mo | 50% | $314/mo |
| 8 employees, avg wage $36k, Bronze | $1,004/mo | 42% | $582/mo |
| 10 employees, avg wage $46k, Bronze | $1,255/mo | 24% | $954/mo |
| 10 employees, avg wage $55k, Silver | $1,602/mo | 8% | $1,474/mo |
Daytona's Tourism Wage Profile: Volusia County's service-sector workforce — particularly in hospitality, food service, and tourism-adjacent businesses along the beach corridor — consistently qualifies for near-maximum SHOP credit. Average wages at Daytona Beach hotels, restaurants, and entertainment venues often fall in the $28,000–$36,000 range, putting most small hospitality employers in the 42–50% credit tier. A 10-person Daytona hospitality employer with $36,000 average wages can provide Bronze coverage for $582/month net — less than $60/employee/month in employer cost — while meaningfully reducing turnover in a high-competition labor market.
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