Whether you have two employees or fifty, offering health and life coverage is one of the strongest things you can do for retention and morale. We help Houston area small businesses set up the right plan for the team you have, the budget you can sustain, and the goals you have for where the company is going.
Major medical coverage for your team, typically with better rates and broader networks than what individual employees could get on the marketplace. We walk you through contribution structure, network options, and tier strategy.
Term life, short-term disability, and long-term disability are some of the most appreciated benefits a small business can offer. Low cost to provide, and the kind of safety net employees genuinely remember.
Dental, vision, accident, critical illness, and hospital indemnity coverage. Easy to add to your package at little to no cost to the business, and meaningful additions for recruiting and retention.
A simple census of ages, ZIP codes, and dependents tells us what we are working with. We talk through your budget, your contribution philosophy, and what you most want this benefits package to do for your team.
We shop the top carriers writing groups your size and bring you real numbers across plans, networks, and tiers. You see exactly what each option costs, with the trade offs explained clearly.
We handle enrollment for every employee, run an info session so your team understands their benefits, and stay your point of contact for renewals, claims questions, and adding new hires throughout the year.
Most carriers in Texas will write a group plan for as few as two enrolled employees, and the owner counts as one. Above 50 employees you move into mid market territory where the rules change. Our sweet spot is teams of 2 to 50.
No. Most small employers contribute somewhere between 50 and 80 percent of the employee premium and a smaller share, or sometimes zero, of dependent premiums. There is real flexibility here, and we help you find a contribution structure that fits your budget and your recruiting goals.
Reimbursement arrangements like ICHRA and QSEHRA are an alternative to traditional group plans. You give employees a tax free monthly amount and they buy their own marketplace coverage. We can compare an ICHRA setup against a traditional group plan side by side so you can decide what fits your team better.
From census to coverage start is typically two to three weeks. Faster if you are renewing an existing plan, longer if you are setting up benefits for the first time. We handle the heavy lifting and keep your team informed at every step.
Premiums you pay on behalf of employees are generally tax deductible to the business, and employees pay their portion pre tax through payroll deduction, which lowers their taxable income too. Group benefits are one of the most tax efficient forms of compensation available, though we always recommend confirming the specifics with your accountant.
When you call, you reach a licensed agent who already knows your file and has the time to help, the same business day, every time.