Federal law extends certain protections to employers seeking to buy health insurance for themselves and their workers. Florida has enacted reforms to expand some of these protections. Some of these reforms apply to groups of different sizes. Generally, small employers are those that employ 1-50 employees. Self-employed persons count as small employers in Florida, but have somewhat different protections. Please note that the definitions of small employer and employee are somewhat different under federal and state law. Check with the Florida Department of Financial Services to be sure that you know which protections apply to your group.