Prime Health ConsultantsIndependent insurance agencyLicense information: Julio Fernandez, Licensed Agent — NPN 18786340Verify ↗
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Small Business Health Coverage

Better Benefits. Built Around Your Business.

Compare employer-sponsored health plans with a licensed advisor who will learn your team, priorities, and timeline before presenting available options.

Request a Business Coverage Review

Tell us about your company so we can prepare a focused conversation.

Step 1 of 3
Business
Coverage
Contact

Owner-only? We can still review individual or family options and explain when an employer-sponsored plan may apply.

Secure submission · No obligation
30
States Licensed
2,200+
Clients Helped
2
Advisor Contacts

Guidance Built for Business Decisions

A focused review starts with the company’s actual situation—not a generic one-size-fits-all recommendation.

Small Employers

Compare approaches for established companies, professional firms, local operators, and growing teams.

Startups & LLCs

Understand eligibility for employer-sponsored plans, employer contribution choices, enrollment, and available plan structures.

Owner-Led Teams

Get a clear review for teams under 10, partners, owner-operators, and first-time benefits buyers.

New to employee benefits or managing a team under 10? Start with our practical buyer’s checklist before requesting your review.

Read the Teams Under 10 Guide
Run your numbers

Employer planning estimator

Start with the approved Florida age-and-tier illustration, then model a possible employer contribution. It is a planning conversation—not a quote.

Florida contribution planning

No name, phone, email, health history, or form submission is required. Your entries stay in this browser session.

Ages 18–64
1–250
Plan tier for this illustration
Employer contribution to model

This is your planning assumption, not a recommended contribution level.

Formula shown openly: age × $10 establishes the per-adult monthly figure. Standard displays base to base + $50; Higher Tier adds $50–$100; Highest Tier adds $100–$150. The employer scenario multiplies that range by the employee count and your selected contribution percentage.

What We Help You Compare

The goal is a clear, practical comparison of the factors that matter to your company and employees.

Plan structure

Compare available medical plan designs and cost-sharing approaches.

Provider access

Review network and provider considerations before choosing coverage.

Employer contribution

Discuss practical contribution approaches for the company and employees.

Timeline & enrollment

Plan around renewal dates, desired effective dates, and employee enrollment.

Added benefits

Explore dental, vision, and other available benefits when appropriate.

Implementation support

Receive licensed guidance through selection and enrollment.

A Clear Review in 3 Steps

1

Tell Us About the Business

Share team size, location, current benefits, role, and timing.

2

Speak With an Advisor

We clarify employee needs, budget priorities, providers, and eligibility.

3

Review Available Options

Compare the choices that fit the information provided—without obligation.

Business Coverage Questions

Can a company with fewer than 10 employees request a review?

Yes. Small teams can request a review. Available options and eligibility for employer-sponsored plans depend on the company, state, carrier, and employee information.

What if we already offer benefits?

Select the renewal option in the form. An advisor can review your timing, current concerns, and priorities before discussing available alternatives.

What if this is our first benefits plan?

We will explain the process in plain language, including eligibility, contributions, plan structures, enrollment, and the information needed for quotes.

Does submitting the form enroll the company?

No. The form requests a no-obligation review. Nothing is selected or enrolled until available options and plan details have been explained.

Prime Health Consultants
Licensed Insurance Specialists

Independent insurance agency helping individuals, families, and small businesses find affordable private health coverage. Licensed in 30 states.

1550 Sawgrass Corporate Pkwy, 3rd Floor, Sunrise, FL 33323
Julio Fernandez, Licensed Agent — NPN 18786340  |  Verify License ↗
Legal & Compliance
Open 7 Days
Mon – Fri: 9:00 AM – 9:00 PM ET
Saturday: 9:00 AM – 8:00 PM ET
Sunday: 9:00 AM – 5:00 PM ET
Calls honored 8AM–9PM local time

LICENSING & REGISTRATION: Prime Health Consultants is an independent insurance agency. License information: Julio Fernandez, Licensed Agent — NPN 18786340. Licensed to sell health insurance products in Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming (30 states).

NOT A GOVERNMENT WEBSITE: Prime Health Consultants is NOT affiliated with, endorsed by, or connected to any federal or state government agency, HHS, CMS, HealthCare.gov, or any state-operated Health Insurance Marketplace. We are an independent insurance agency.

IMPORTANT NOTICE: Health insurance products offered on this website are private PPO plans offered directly by licensed insurance carriers. These plans are not ACA-qualified health plans, are not available on HealthCare.gov or any state or federal marketplace, and do not provide minimum essential coverage (MEC). Please review all plan documents carefully before enrolling.

ABOUT OUR PLANS: Prime Health Consultants is an independent insurance agency offering private health insurance plans. These are not part of the government Health Insurance Marketplace (ACA) and are not major-medical ACA plans. Plan availability, benefits, provider networks, deductibles, and eligibility vary by product and by state, and some plans may exclude pre-existing conditions or may not include all essential health benefits. We are not affiliated with any government agency. Any premium, savings, or coverage examples are illustrations only and are not guarantees; your actual plan, price, and coverage depend on your situation and the plan you choose. License information: Julio Fernandez, Licensed Agent — NPN 18786340.

© 2026 JCF Group LLC (Prime Health Consultants). All rights reserved.

JCF Group LLC — Independent Insurance Agency | 1550 Sawgrass Corporate Pkwy, Sunrise, FL 33323

LICENSING & REGISTRATION: Prime Health Consultants is an independent insurance agency. License information: Julio Fernandez, Licensed Agent — NPN 18786340. Licensed to sell health insurance products in Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming (30 states). License information and credentials can be verified through the National Association of Insurance Commissioners (NAIC) at sbs.naic.org.
NOT A GOVERNMENT WEBSITE: Prime Health Consultants is NOT affiliated with, endorsed by, or connected to any federal or state government agency, the U.S. Department of Health & Human Services (HHS), the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov, or any state-operated Health Insurance Marketplace. We are an independent insurance agency. This website does not represent the federal government's Health Insurance Marketplace.
TCPA / COMMUNICATIONS CONSENT: By submitting a quote request form on this website, you provide your prior express written consent to Prime Health Consultants (NPN: 18786340) to contact you by telephone, text message (SMS), and email at the information you provided about health insurance options. Your consent is NOT a condition of purchasing any product or service. You may revoke consent at any time by: (1) replying STOP to any text message, (2) calling (305) 333-1434, or (3) emailing julio.fernandez@rjprimehealth.com. Under the FCC's April 11, 2025 Consent Revocation Rule, revocation requests will be honored within 10 business days. One confirmation text may be sent upon revocation. Marketing communications will only be sent between 8:00 AM and 9:00 PM in the recipient's local time zone as required by applicable law. All phone numbers are checked against the National Do-Not-Call (DNC) Registry. Consent records are retained for a minimum of five (5) years in compliance with the Telemarketing Sales Rule (TSR).
CAN-SPAM & EMAIL COMPLIANCE: All marketing emails sent by Prime Health Consultants comply with the Controlling the Assault of Non-Solicited Pornography And Marketing (CAN-SPAM) Act of 2003. Every marketing email includes: a clear identification of the sender, a functioning opt-out mechanism, our physical mailing address (1550 Sawgrass Corporate Pkwy, Sunrise, FL 33323), and an accurate subject line. To unsubscribe from email communications, click the "Unsubscribe" link in any email or contact us at julio.fernandez@rjprimehealth.com.
HIPAA NOTICE OF PRIVACY PRACTICES: Prime Health Consultants complies with the Health Insurance Portability and Accountability Act (HIPAA) of 1996. We collect only the minimum necessary personal information required to provide insurance quotes and services. We do not collect protected health information (PHI) such as diagnoses, medical records, or detailed health conditions through this website. Any information you provide is transmitted via 256-bit SSL/TLS encryption. We do not sell, rent, lease, or trade your personal information to third parties for their own marketing purposes. Information may be shared with licensed insurance carriers solely for the purpose of generating the requested insurance quote. We maintain a signed Business Associate Agreement (BAA) with all applicable vendors who process personal data. For our full Privacy Policy and HIPAA Notice, contact us at julio.fernandez@rjprimehealth.com.
PLAN AVAILABILITY & RATE DISCLAIMERS: Health insurance plan availability, benefits, networks, and rates vary by state, county, age, tobacco use, and household size. Not all plans are available in all states or counties. Premium rates displayed in advertising are estimated figures for illustrative purposes only and do not constitute a binding quote. Your actual rate will be determined by your specific profile and the insurance carrier's current underwriting guidelines. Plans described on this website are private PPO health plans offered directly by licensed insurance carriers and are not available on HealthCare.gov or any state or federal marketplace. These plans are not ACA-qualified health plans and do not provide minimum essential coverage (MEC). Coverage levels, benefits, networks, and regulatory protections differ from ACA marketplace plans. It is your responsibility to review the Summary of Benefits and Coverage (SBC) and Evidence of Coverage (EOC) documents before enrolling in any plan. Prime Health Consultants is compensated by insurance carriers through agent commissions. This compensation does not increase your premium.
FTC & ADVERTISING COMPLIANCE: All testimonials and client reviews displayed on this website reflect the genuine experiences of real clients. Individual results may vary. Savings claims are based on actual documented client comparisons and are not guaranteed for all individuals. Prime Health Consultants is not a tax advisor. All references to tax deductibility of health insurance premiums are general information only and do not constitute tax advice. Consult a qualified tax professional for advice specific to your situation.
PRIVACY POLICY SUMMARY: We collect: name, contact information (phone, email), address, date of birth, household income range, and insurance preferences — for the sole purpose of providing insurance quotes and services. We use industry-standard encryption and security practices. You have the right to access, correct, or delete your personal data by contacting us at julio.fernandez@rjprimehealth.com. We honor all requests within 30 days. California residents: additional rights apply under the California Consumer Privacy Act (CCPA). Read our full Privacy Policy.
ADA ACCESSIBILITY: Prime Health Consultants is committed to ensuring digital accessibility for people with disabilities. We continually work to improve the accessibility of our website in accordance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you experience difficulty accessing any content on this website, please contact us at julio.fernandez@rjprimehealth.com or call (305) 333-1434 and we will assist you.
© 2026 JCF Group LLC (Prime Health Consultants). All rights reserved.Privacy Policy|Terms & Conditions|Julio Fernandez, Licensed Agent — NPN 18786340|Verify LicenseAdvertising by R&J Prime Consultancy LLC