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Daniels Health Advisors
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Landscaper wearing ear protection and safety glasses using a backpack leaf blower on a residential street

For lawn care & landscaping · Licensed in 30+ states

Health insurance for
lawn care & landscapers.

Personal and family health insurance for lawn care owners, landscapers, and crews. Not business liability or workers' comp. If you have a union plan, start there.

  • Private & Secure
  • Fast Response
  • No Spam Calls

Seasonal work?

Busy in summer.
Slower in winter.

Lawn care income goes up and down with the seasons. Three common questions about coverage in lawn care:

My income drops in the slow months.

The Bureau of Labor Statistics says some landscaping work is seasonal, busiest from spring through fall. Marketplace help is based on your income for the whole year, not one good month. Count the slow months too.

Can I get help paying for a plan?

You might. The median pay for grounds workers was $19.27 an hour in May 2025. As of October 1, 2026, under current law, Marketplace tax credits are generally for household incomes from 100% to 400% of the poverty line.

I work for myself.

About 1 in 5 grounds workers are self-employed. With no employees, you can shop the individual Marketplace. With 1 or more employees, a small business plan may be an option.

Smiling groundskeeper in work coveralls trimming grass with a string trimmer beside a row of evergreens

Lawn care by the numbers

Florida is big
on landscaping.

Census and Bureau of Labor Statistics data. Business counts are for businesses with no paid employees.

537,970

one-person landscaping businesses in the U.S. in 2024.

52,323

one-person landscaping businesses in Florida in 2024, including 3,134 in Orange County.

20%

of grounds maintenance workers are self-employed. That is about 1 in 5.

$19.27

an hour was the median pay for grounds maintenance workers in May 2025.

+8%

Florida landscaping jobs rose from 85,249 in January 2025 to 92,396 in June, then dipped by December.

1.5x

Florida has about 1.5 times the national share of landscaping jobs (2025).

Sources: Census Nonemployer Statistics 2024; BLS Occupational Outlook Handbook, grounds maintenance workers (May 2025 pay); BLS Quarterly Census of Employment and Wages 2025. Median pay is for the whole country and can differ in Florida. Plan prices depend on age, zip code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Licensed help for
every season.

Our home base is Central Florida, and Paul is licensed in 30+ states. Daniels Health Advisors is an independent brokerage. We help lawn care owners, crews, and their families compare personal health plans. We start with Marketplace tax credits, since your income may be in the range for help.

As of October 1, 2026, Florida has not expanded Medicaid. If your income is very low, your choices may be limited. We will tell you what we see, honestly.

  • Simple answers, even in your busy season
  • Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
  • Free to you. Carriers pay us, not you.

How it works

Three steps,
all year long.

Count the whole year

Give us ages, your zip code, and income for all 12 months, slow months too.

We look for help

We check whether your household may get a tax credit, and what else fits.

Choose a plan

We compare plans, including bronze plans that can pair with an HSA. You pick.

Book a 15-minute call
Free · No obligation · About 15 minutes

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

A plan that lasts
all year.

Guess your income from your busiest month, and you may get less help than you could. Guess from your slowest month, and you may owe money back. Under current law, starting with 2026 taxes, there is no cap on that payback. By the end, you will have:

  • A full-year income estimate that counts slow months
  • A clear answer on tax credits for your household
  • Plans side by side, including bronze plans that can now pair with an HSA
  • A reminder to update your income if business changes

Straight answers

Lawn care health insurance questions.

Is this insurance for my lawn care business?

No. It is personal and family health insurance. Business liability and workers' comp are separate. Workers' comp rules depend on your type of business and how many people you employ. For those, talk to a business insurance agent or the Florida Division of Workers' Compensation.

Is lawn care work risky?

It can be. In 2024, landscaping services had 3.0 injuries and illnesses per 100 full-time workers, compared with 2.3 for all private jobs. BLS says tree trimmers have one of the highest injury rates of all jobs. Check the urgent care near your routes when you compare plans.

How much can my household earn and still get help?

As of October 1, 2026, the extra tax credit help of past years has ended. Under current law, tax credits for 2027 plans generally go to households from 100% to 400% of the poverty line. Using the 2026 poverty guidelines, 400% is about $63,840 for one person and $132,000 for a family of four. Your exact credit depends on your income, household, and zip code.

Is there a deadline to sign up?

Yes. For 2027 plans, open enrollment is Nov 1, 2026 to Jan 15, 2027. To start Jan 1, sign up by Dec 15. Outside that window, you usually need a life event, like losing job-based coverage.

Do you help lawn crews outside Central Florida?

Yes, in the 30+ states where Paul is licensed. For towns near our home base, see areas we serve.

Who is this page meant for?

Lawn care owners, landscapers, crew members, and their families under 65 are the focus here.

Related guides

Industries we serve HVAC health insurance Plumber health insurance Self-employed health insurance Gig worker health insurance Freelancer health insurance Bronze vs silver plans Areas we serve

Licensed in 30+ states

Get covered
for every season.

Book a free 15-minute call, even on a rain day, or start a quote online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page is about personal and family health insurance. It is not business liability or workers' comp insurance. We are not part of any union or trade group. Job, pay, and business numbers are from public government data and describe groups of workers, not you. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.