2 to 10 employees
Even a tiny team qualifies. A group plan spreads risk across more people, so premiums are usually lower per person than individual coverage.
QualifiesIf you run a Texas business with 2 to 50 employees, you qualify for a small-group health plan. It usually costs less per person than buying alone, and no one on your team can be turned down because of their health. We compare every Texas carrier and show you what you should actually pay.
In Texas, a small group is an employer with 2 to 50 full-time-equivalent employees. That includes full-timers, part-timers counted together, and the owner if they are on payroll. If your headcount falls in that range, every major Texas carrier must offer you a small-group plan.
Even a tiny team qualifies. A group plan spreads risk across more people, so premiums are usually lower per person than individual coverage.
QualifiesMid-size teams get the same guaranteed-issue protection. Carriers cannot cherry-pick or raise rates based on anyone's health history.
QualifiesAt the upper end of the small-group market, you still get ACA protections and community-rated pricing. We make sure you are not overpaying for it.
QualifiesWhen employees buy health insurance on their own, they pay individual-market rates with no employer contribution. A group plan pools everyone together, spreads the risk, and splits the cost.
Most Texas employers pay 50 to 70 percent of the employee premium. The employee pays the rest, usually through pre-tax payroll deductions. That means lower take-home cost for them and a tax-deductible expense for you.
Texas small-group plans are guaranteed-issue. That means a carrier must cover your business and cannot charge more because someone has a pre-existing condition, takes medication, or has been sick before. Every qualifying employee gets in, period.
Asthma, diabetes, heart disease, cancer history, it does not matter. The plan covers it from day one, with no waiting period and no higher rate.
Carriers cannot ask for health records, run tests, or use employee health to set the premium. The price is based on age, location, and plan choice only.
Texas small-group plans must cover essential health benefits, including maternity, mental health, prescription drugs, and preventive care.
When it is time to renew, the carrier cannot drop an employee or raise their individual share because of claims or health changes.
Every plan type trades flexibility against cost. We walk you through the real-world differences so you pick the one that fits your team and your budget.
The most flexible option. Employees can see any doctor, in-network or out, without a referral. Premiums are higher, but the freedom is worth it for teams who value choice.
Most flexibleLower monthly premiums in exchange for staying in-network and getting a primary care doctor's referral for specialists. A strong fit when cost control is the priority.
Lowest premiumA high-deductible health plan paired with a tax-advantaged Health Savings Account. Lower premiums plus pre-tax dollars from you and your employees for medical expenses.
Tax savingsThere is no single sticker price. Your real premium depends on a handful of factors, and carriers will not volunteer the cheapest combination. We will.
Most Texas employers contribute 50 to 70 percent of the employee-only premium. The rest comes out of the employee's paycheck pre-tax. We run quotes from multiple carriers so you see every option side by side.
Get real numbersCompare carriers, see real numbers, and stop overpaying.