Florida employee benefits provider
Employee Benefits Provider for Growing Teams in Florida
Two carriers write almost the entire Florida small group market, so most employers never see a third option. Ignition prices your team against everything that's actually available.
Renewals in Florida arrive without a reason attached.
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Why choose a Florida-based employee benefits provider
What Ignition does differently in Florida
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Get your free Florida employee benefits assessment today.
Simple Benefits Provider Review Process
How to choose an employee benefits provider in Florida
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I got robbed. I was too busy to notice.
How AWM saved $156,914 in 30 minutes.
Customer stories
AWM used Ignition to negotiate their 2026 insurance renewal, lowering costs by 22% compared to their initial increase.
Light Labs turned a 21% increase into an 8% decrease, $113,115 in savings, and better coverage across the board.
Ignition consolidated everything into Gusto, set it up before open enrollment, and now runs the day-to-day benefits admin so Mango's team doesn't have to.
Related Resources
In a fully funded plan, you pay a fixed premium to a carrier. In a self funded plan, you pay claims directly, which means more risk but often lower long-term costs.
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Frequently asked questions
Yes. Ignition Benefits does business as Ignition Insurance Solutions, NPN #22134889, licensed in Florida.
Yes. You sign a Broker of Record letter, while your carrier, network, and payroll stay the same. There's no obligation.
Mini-COBRA is Florida's version of continuation coverage under the federal Consolidated Omnibus Budget Reconciliation Act (COBRA). It gives employees of groups under 20 up to 18 months of continuation, at no more than 115% of the group rate. Yes, we handle it.
Small-group availability and rating sit under the Employee Health Care Access Act, which defines a small employer as 1 to 50 employees and sets how carriers may price those plans.
We benchmark every carrier writing small group business in Florida against your company's own data, not just the incumbent.
On average about 20% in the first year, based on Ignition client data. In Florida, most of that comes from pricing the two major carriers against each other, since the gap between them is where the room usually is.
No. Switching requires a Broker of Record letter. Your carrier, network, and payroll stay the same.
Nothing upfront. The assessment is free and there's no commitment.
Ideally four to six months out. A Broker of Record change can happen outside your renewal window, so you don't necessarily have to wait until next year.
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