# ThirdWave Benefits

> ThirdWave Benefits is an independent insurance brokerage based in Melbourne, FL. It helps Florida and Space Coast employers with group employee-benefits strategy, plan design, compliance support, and year-round guidance, and helps individuals with education-first Medicare guidance. It formerly operated as Harbor Financial Group.

## Key facts
- Current name: ThirdWave Benefits.
- Former name: Harbor Financial Group.
- Location: Melbourne, FL, in the Space Coast/Brevard County region.
- Employer audience: Florida small and mid-sized businesses seeking group benefits strategy and administration support.
- Individual audience: People seeking education-first Medicare enrollment, plan-selection, and coverage-transition guidance.
- Contact: 321.345.9482; info@thirdwavebenefits.com; team@thirdwavebenefits.com.

## Employer benefits
- [Group Benefits](https://thirdwavebenefits.com/group-benefits/): Group plan design and year-round advisory support covering fully insured, level-funded, and self-funded medical plans plus supporting benefits, compliance, and administration.
- [Small Business Health Insurance in Florida](https://thirdwavebenefits.com/small-business-health-insurance-florida/): Florida small-group rules, cost orientation, carrier choices, and alternatives for employers.
- [Health Insurance for 1–9 Employees](https://thirdwavebenefits.com/health-insurance-1-9-employees/): Options for Florida micro-employers, including traditional group coverage, level funding, QSEHRA, ICHRA, and individual coverage.
- [Custom Benefits Review](https://thirdwavebenefits.com/custom-benefits-review/): A structured review of plan structure, renewal trends, compliance exposure, contributions, employee experience, and administration.
- [Employer and Medicare FAQs](https://thirdwavebenefits.com/frequently-asked-questions/): Direct answers about group benefits, plan funding, compliance support, employer fit, Medicare services, enrollment timing, guidance costs, and individual support.

## Medicare
- [Medicare Support](https://thirdwavebenefits.com/medicare-support/): Education-first help with Medicare enrollment, plan selection, coverage transitions, and ongoing questions.

## About and contact
- [Our Story](https://thirdwavebenefits.com/about/): The Harbor Financial Group to ThirdWave Benefits rebrand, company history, Space Coast roots, and team profiles.
- [Our Process](https://thirdwavebenefits.com/our-process/): The ThirdWave Benefits three-step process—Discover, Design, and Navigation Plan—for year-round benefits guidance.
- [Contact](https://thirdwavebenefits.com/contact/): Contact form, employee-support email, general email, and phone number.
- [Blog](https://thirdwavebenefits.com/blog/): The ThirdWave Current library of benefits and Medicare guidance.

## Articles
- [Small Business Health Insurance in Brevard County, FL: 2026 Costs, Carriers, and Rules](https://thirdwavebenefits.com/blog/small-business-health-insurance-brevard-county/): Which carriers write Brevard County small groups in 2026 — Florida Blue, FHCP, UnitedHealthcare — what it costs, and the rules that decide eligibility.
- [Level-Funded Health Insurance, Explained: How It Works and When It Makes Sense](https://thirdwavebenefits.com/blog/level-funded-health-insurance/): How level-funded health insurance works for Florida small groups — the surplus refund, the renewal risk, and who it fits, from a broker.
- [What Is an ICHRA? The Individual Coverage HRA, Explained for Florida Employers](https://thirdwavebenefits.com/blog/what-is-an-ichra/): An ICHRA lets a Florida employer fund tax-free dollars employees use to buy their own health plan. How an ICHRA works, and when it beats group coverage.
- [A Guide to Group Health Insurance Renewals for Florida Employers: 90-Day Timeline & Checklist](https://thirdwavebenefits.com/blog/group-health-insurance-renewal-checklist-florida-employer/): Florida small-group renewal checklist: start 90 days out, compare rates and carriers, prepare enrollment, and finish compliance tasks before the effective date.
- [Your Medicare Guide for Brevard County in 2026](https://thirdwavebenefits.com/blog/your-medicare-guide-for-brevard-county-in-2026/): What every Brevard resident should know before choosing a Medicare plan — costs, coverage, deadlines, and how to pick a plan that actually fits.
- [More Than a Policy: Building a Benefits Ecosystem That Strengthens Your Culture](https://thirdwavebenefits.com/blog/benefits-ecosystem-that-strengthens-your-culture/): Insurance has felt like a necessary evil for too long. Your strategy should do more than check a box — it should strengthen the culture you’re building.
- [From Harbor Financial Group to ThirdWave Benefits: Why the Name Had to Catch Up to the Mission](https://thirdwavebenefits.com/blog/harbor-financial-to-thirdwave-benefits/): Thirty years ago, I started with little more than a phone book and a conviction. Our name is finally catching up to our mission — here’s what that means.
- [Navigating the Medicare Maze: Why Education-First Guidance is Our North Star](https://thirdwavebenefits.com/blog/medicare-guidance-education-first/): At ThirdWave, we lead Medicare with education first — plain-language guidance from a local advisor who knows the Space Coast, not a national call center.