Daytona Beach is Volusia County's largest city and a market defined by its unique mix of tourism, motorsports events, and a growing retirement and relocation sector. Median home prices in Daytona Beach reached approximately $260,000 in 2025 — one of the more accessible price points on Florida's east coast — which keeps transaction volume high and drives consistent demand for title services. The city's healthcare sector, anchored by AdventHealth Daytona Beach and Halifax Health, is also a major employer that shapes the local labor market for administrative professionals.
For title company owners in Daytona Beach, part-time staffing is a practical operational tool — and the question of what to offer those employees in terms of health benefits has real talent implications. This guide covers what the ACA requires (nothing for part-time employees) and the three most effective options for offering benefits voluntarily.
Daytona Beach's healthcare sector is one of the largest employers in Volusia County, and many of those employers offer health benefits to part-time workers who meet hour thresholds. A part-time administrative professional choosing between your title company and a hospital billing department will factor benefits into their decision. Even a modest ICHRA allowance of $100–$200/month shifts that calculus meaningfully.
The tourism and hospitality economy also creates a large class of workers who hold multiple part-time jobs simultaneously. A Daytona Beach closer who works 20 hours at your title company may also work 15 hours in a different sector — but if your company is the one that provides a health benefit, even at a modest level, you're more likely to retain their loyalty and best hours.
Daytona Beach's transaction volume is driven by modest-priced single-family and condominium sales, investor activity, and retirement relocations. Each transaction type requires slightly different expertise. Retaining part-time closers with experience across these categories is valuable — and benefits support that retention.
The ACA employer mandate requires Applicable Large Employers (50+ FTEs) to offer minimum essential coverage to employees averaging 30 or more hours per week. Part-time employees under 30 hours are excluded from the mandate. To calculate FTEs, add full-time employees to part-time monthly service hours divided by 120. A Daytona Beach title company with 10 full-timers and 13 part-timers averaging 40 hours/month has 10 + (13 × 40 ÷ 120) = 10 + 4.33 = 14.33 FTEs — well below the 50-FTE threshold.
Option 1: ICHRA (Individual Coverage HRA)
ICHRA lets your Daytona Beach title company reimburse part-time employees tax-free for individual ACA marketplace premiums. No minimum contribution is required. You set the allowance, employees enroll on healthcare.gov, and you reimburse upon proof of coverage. ICHRA supports separate classes for full-time and part-time staff.
Option 2: Section 125 Cafeteria Plan
If part-time employees are on your group plan, a Section 125 plan allows pre-tax premium contributions. Florida's no-income-tax structure means savings are entirely federal. On a $200/month premium contribution at the 22% bracket, the employee saves $528/year; your FICA savings are approximately $184/year per participating employee.
Option 3: Extend Group Plan Eligibility to 20+ Hours
Lower your group plan's threshold to 20 hours/week, bringing part-time closers onto your group plan directly. In Daytona Beach's healthcare-worker-dominated labor market, where benefits are expected even for part-time roles, this option positions your title company as a competitive employer.
| Option | Cost to Employer | Employee Benefit | Best For |
|---|---|---|---|
| ICHRA | You set the allowance; no minimum | Tax-free reimbursement for individual premiums | Companies wanting flexibility and cost control |
| Section 125 Cafeteria Plan | Reduced FICA on employee premium share | Pre-tax premium payments | Companies already offering a group plan |
| Extended Group Plan Eligibility | Full employer premium share for PT staff | Full group plan coverage | Competitive hiring environments; higher-wage roles |
Florida's no-state-income-tax environment makes Section 125 savings entirely federal — no state-level calculations required. For ICHRA, Volusia County's ACA marketplace is served by Ambetter, BCBS Florida, and other carriers. Daytona Beach employees qualifying for income-based premium tax credits can stack them on top of your ICHRA allowance, making individual coverage genuinely affordable even at minimal employer investment.
Talk to a licensed advisor about part-time benefits options for your Daytona Beach title company.