Texas Small Business Health Insurance & ICHRA
Texas has more small businesses than nearly any state — and offering health benefits is one of the strongest hiring and retention tools available in a state where so many workers have no other coverage path. We work with Texas companies from 1-employee owner setups up to 50-employee teams to design and enroll coverage that actually fits the business — traditional group, ICHRA, level-funded, or a combination.
Texas Small Business Coverage Options
Traditional Texas Small-Group Health Insurance
Pick a carrier and plan (or plans), define your employer contribution, and your employees enroll. BCBS Texas, UnitedHealthcare, Aetna, and Cigna all offer Texas small-group plans. The familiar approach — easy for employees to understand — but rates renew annually and the entire team is locked into one carrier.
ICHRA (Individual Coverage HRA)
Instead of picking a plan, you give each employee (or class of employees) a tax-free monthly allowance to buy their own Texas marketplace plan. You reimburse on a fixed schedule. Costs are predictable. Employees pick the carrier that fits their family. Particularly strong fit for Texas service businesses, construction, and retail with mixed employee demographics.
Level-Funded Plans
A hybrid of fully insured and self-funded. You pay a fixed monthly amount; if claims run low, you may receive a refund. Good fit for younger, healthier Texas teams; riskier for older or higher-claim teams.
Owner-Only Plans & QSEHRA
Solo Texas business owners and very small companies have specific options — owner-only HRAs, QSEHRA reimbursement structures, and Texas marketplace plans with self-employment subsidy treatment.
How We Decide Which Structure Fits
- Headcount and employee demographic snapshot
- Industry — physically demanding vs. desk work, high vs. low turnover
- Subsidy eligibility of the team if pushed to the marketplace
- Owner goals — recruiting, retention, owner-only, or full team
- Geographic distribution — single ZIP vs. multiple Texas metros
- Existing benefits and what you're trying to keep or change
The Texas Small Business Enrollment Process
- Free initial census review and goal-setting call
- Side-by-side comparison of group, ICHRA, and level-funded options for your specific census
- Carrier and plan (or allowance) selection
- Texas Department of Insurance filings handled by us
- Employee onboarding meetings, enrollment forms, and ongoing support
- Annual renewal review — we don't auto-renew without re-shopping
Why Texas Employers Choose Us
We're independent — we don't favor any carrier. We model every viable structure for your team before recommending one. We handle the Texas filings, the carrier paperwork, and the employee onboarding so you can run the business. And we stay on as your benefits resource through the year, not just at enrollment.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.