Independent statewide Texas group health brokers
Group Health Insurance in Texas
Most Texas businesses overpay for group health insurance because shopping every carrier takes time they do not have. We do that shopping for you across the whole state, then handle the setup and stay on all year. It costs your business nothing.
Serving employers across Texas, from Houston and Dallas to El Paso. Free quote and rate review, no obligation.
We shop the whole Texas market. Coverage for employers in every major metro and the towns in between.
Group health insurance is one of the biggest costs a Texas employer carries, and one of the hardest to compare. Rates climb every year, carriers word their plans differently, and the renewal letter always lands when you are busiest. Texas Group Health Plans is an independent statewide brokerage built to take that job off your plate. We compare the major carriers writing group coverage across Texas, show you the plans that fit your team, and set everything up, all at no cost to your business.
Whether you are covering a five-person shop for the first time or re-shopping a plan for two hundred employees, the goal is the same: the right coverage for your people, without paying more than you should. We work the whole state, so wherever your business sits in Texas, you get the same market comparison and the same hands-on service.
Coverage for every size of business
Group health plans for Texas employers, small and large
Two paths, one broker. Pick the one that matches your headcount and we take it from there.
Small business health insurance
Group coverage built for smaller Texas teams, with plan options and cost help sized to a growing payroll.
Small group coverage 50+ employeesLarge group health insurance
For Texas employers with fifty or more workers, with plan designs, funding options, and the compliance help larger groups need.
Large group coverageHow a rate review works
Send us your renewal
Share your renewal letter or current plan. A few minutes by phone or the quote form is all it takes to start.
We shop the Texas market
We compare plans and rates across every carrier writing group coverage in Texas and bring you the options that fit your team and budget.
You pick, we handle the switch
Choose the plan you want. We handle the paperwork, enrollment, and setup, and stay on as your contact all year.
What working with us includes
More than a quote. A benefits partner for the whole year.
Shopping the market is where we start. Here is everything that comes with it, at no cost to your business.
A full-market comparison
We pull plans and rates from every major Texas carrier and lay them out side by side, so you can see the real tradeoffs instead of one company's pitch.
Plan setup and enrollment
Once you choose, we handle the applications, ID cards, and the switch from your old plan, and we walk your employees through what they are signing up for.
A real point of contact
You get a person who knows your plan, not a call center. When a question comes up during the year, you reach us directly.
Renewal re-shopping every year
The biggest overpaying happens when a business accepts its renewal without checking the market. We re-shop your coverage every year, on your behalf.
Claims and billing help
When an employee hits a snag with a claim or a bill, we help sort it out with the carrier so you can stay focused on running your business.
Compliance and paperwork
We keep you on the right side of participation rules, contribution minimums, and the federal requirements that apply to your group size.
Why work with an independent broker
Same carriers. Same price. One team shopping the whole state for you.
When you call a single insurance company, you see one company's plans. When you work with an independent broker, you see the market. Our only job is finding the plan that fits your business, and here is what a rate review checks:
- Every carrier's plan and price in the Texas market, side by side
- Whether your network and drug list still fit your team
- Your plan design, deductible mix, and HSA options
- Your contribution split and the small business tax credit
A broker costs your business nothing.
Brokers are paid by the carrier through the plan you would buy anyway. Your premium is the same whether you go direct or work with us, so there is no reason to shop the Texas market alone.
How we workIndependent, not tied to one carrier
We compare plans from the major medical carriers writing group coverage in the Texas market, including:
- Blue Cross and Blue Shield of Texas
- UnitedHealthcare
- Aetna
- Cigna
- Humana
One review, every option side by side. We bring you the plan that fits, not the one that pays us most.
Coverage across the state
Group health insurance in every major Texas metro
Learn before you decide
Straight answers on cost, rules, and plan types
Group health insurance questions, answered
What is group health insurance?
It is a single health plan a business offers to its employees, with the cost usually shared between the employer and the workers. Because the whole group is rated together, rates are steadier and coverage is broader than an individual could buy alone. In Texas, small-group plans cover businesses with 2 to 50 employees, and large-group plans cover employers with 50 or more.
Does using a broker cost my business anything?
No. An independent broker is paid by the insurance carrier through the plan, not by you, so our help with shopping, setup, and service comes at no added cost. You pay the same premium whether you go straight to a carrier or work through us, and with us you get the whole Texas market compared for you.
Do you cover the whole state or just one city?
The whole state. We are an independent Texas brokerage and place group coverage for employers across Texas, from Houston, Dallas, Fort Worth, Austin, and San Antonio to El Paso and the towns in between.
My renewal went up again. Can you bring it down?
We cannot promise a number, but the most expensive habit in group benefits is accepting a renewal without checking the market. We shop your coverage across every carrier in Texas and show you the real alternatives. Often there is a better rate for similar coverage, or a plan design that fits your team and budget better.
Do you handle both small and large groups?
Yes. We place small-group coverage for businesses with 2 to 50 employees and large-group coverage for employers with 50 or more, including the plan design and compliance details larger groups need.
Which carriers can you offer?
Because we are independent, we are not tied to one company. We compare the major carriers writing group coverage in Texas and bring you the options that fit your team and budget, rather than steering you toward a single brand.
How fast can I get a quote?
Usually the same or next business day once we have a few details about your group. Send your current plan or renewal through the quote form, or call us, and a real person starts shopping the Texas market for you right away.
Do you help our employees enroll?
Yes. We handle the enrollment paperwork and walk your team through their options in plain language, so you are not the one fielding benefits questions. We also help with mid-year changes when someone joins or leaves.
What if we already have a broker?
Switching is simple and costs you nothing. You sign a short form naming us as your broker of record, and we take over the shopping and service without changing your current plan until you decide to. Many businesses switch just to get their renewal re-shopped.
Find out what your business should be paying.
Send us your renewal or current plan and we will shop every carrier in the Texas market for you. It costs your business nothing and there is no obligation.