Florida · Texas · Nevada
We are an independent brokerage that works with small businesses only — 1 to 100 employees. We shop every major carrier, design the plan around your team and budget, and stay on the phone with you long after enrollment.
We work with all major carriers
The Stewart Brokerage is an independent broker and is not endorsed by any carrier. Carrier availability varies by state, county, and group size.
Why small businesses only
If you have 40 employees, you are a rounding error to a national benefits firm. You get assigned to a service queue, you get a renewal letter in the mail, and nobody calls you back until it is time to sign again.
Small business is the entire practice here. That means we actually know the plans that work at 3 employees, at 12, at 60 — and we know which carriers in Florida, Texas, and Nevada will say yes to your census before we waste your time quoting them.
Where we work
We are licensed in three states and we know them properly — which carriers write which counties, which networks hold up, and what a fair renewal looks like.
Miami · Fort Lauderdale · Tampa · Orlando · Jacksonville
Houston · Dallas–Fort Worth · Austin · San Antonio
Las Vegas · Henderson · Reno · Sparks
Coverage options
There is no single right answer for a small business. There are four or five, and the job is picking the one that fits your headcount, budget, and how your people actually use care.
The classic small-group plan. Fixed monthly premium, carrier takes the risk, nationwide PPO options for teams that travel or work remote.
Learn moreA steady monthly payment with money back if your team's claims run low. Often the biggest saver for healthy groups of 5 to 50.
Learn moreGive employees a tax-free monthly allowance to buy their own plan. Ideal for multi-state teams and tight, predictable budgets.
Learn moreRound out the package with dental, vision, life, accident, and disability — quoted and administered alongside the medical plan.
Learn moreHonest comparison
Three ways small business owners get coverage. Here is the difference in plain English.
| Straight to one carrier | Everyone buys their own ACA plan | The Stewart BrokerageRecommended |
|---|---|---|
| You see one company's plans | No group buying power at all | Every major carrier quoted side by side |
| Whatever they quote is the price | Full retail premium per person | Competitive small-group and level-funded pricing |
| Their network or nothing | Narrow HMO networks are common | National PPO options for multi-state teams |
| A service queue after you sign | Employees are on their own | One named contact for the life of the policy |
| Renewal arrives by letter | Everyone re-shops alone each year | We re-market your group 90 days before renewal |
| No help with a denied claim | No help with a denied claim | We call the carrier on your behalf |
How it works
From the first form to employees carrying ID cards. You are talking to one licensed broker the whole way through — not a queue, not a chatbot, not a different rep every time.
Two minutes on the quote form: headcount, state, current coverage, and what is bothering you about it. No phone number required to start.
We run your census through every carrier writing small groups in your state and bring back two or three real options with real numbers.
We walk your team through the choices, handle the paperwork, and manage the switch from whatever you are on today.
New hires, terminations, ID cards, claim disputes, and a renewal strategy that starts 90 days early instead of arriving as a surprise.
All three are normal here. The first call tells you honestly whether you qualify and what it would cost — before you spend time on paperwork.
Broker compensation is paid by the carrier — your premium is the same either way.
What clients say
Reviews from the business owners and practice managers we place coverage for.
Worked with us? A quick Google review helps other small business owners find honest help — and yours could be featured right here.
We only publish genuine, first-hand reviews from real clients, with their permission. We never incentivize, filter, or fabricate reviews.
Questions, answered
In Florida, Texas, and Nevada, a small group generally starts at one enrolling W-2 employee besides the owner — and in some cases an owner-only business can qualify. The bigger factor is usually the carrier's participation and contribution rules, not headcount alone. We confirm what you qualify for on the first call.
For 2026, small group premiums commonly land somewhere between roughly $400 and $750 per employee per month for a mid-tier plan, before your contribution. Your actual number depends on employee ages, ZIP code, plan design, and how much of the premium you cover. We model several contribution levels so you can see the real budget impact before committing.
Under the ACA, businesses with fewer than 50 full-time-equivalent employees are not required to offer health insurance. Most of our clients offer it anyway because it has become the deciding factor in hiring and keeping good people.
Yes. Multi-state teams are common in our book, and it is one of the main reasons small businesses come to us. We look at nationwide PPO networks and, where it fits better, an ICHRA arrangement so each employee buys in their own state while you control the budget.
Nothing. As a broker we are compensated by the carrier, and the premium is the same whether you use us or go direct. What changes is that you get plan design, enrollment help, and someone to call when a claim goes sideways.
Small group plans can generally be started or changed at any point in the year, unlike individual ACA coverage which is tied to open enrollment. If your renewal just hit you with a big increase, you do not have to wait twelve months to react.
Fully-insured means you pay a fixed premium and the carrier takes all the risk. Level-funded means you pay a steady monthly amount, and if your team's claims come in low you can get money back at the end of the year. Level-funded often saves healthier small groups real money, but it is not right for everyone. We run both.
Two minutes, no obligation, and a straight answer on cost and eligibility.