Houston Group Health Insurance | Best Group Health Insurance in Houston, Texas for Your Business

Houston Group Health Insurance

Houston group health insurance plans

As a small business in Houston, Texas, it’s wise to offer your employees the best group health insurance & employee benefit plans options around. This is a great way to stand up to your competition. The best thing you can do for your staff is show them you care by providing them with group health insurance and other employee benefits so that they can plan for their futures and their families’ futures.

Giving them health insurance coverage at an affordable rate will only keep your employees cooperative and make them want to work for you.

When you contact Taylor Benefits Insurance Agency, you can take advantage of our advice and tips given by the experts to all small and corporate businesses in the State of Texas.

We also have other services and tools to make the learning plan easier for management to explain the employee benefit plans and health coverage options.

Dial 800 -903-6066 and get free consultation on Texas Group Health Insurance & Employee Benefit Plans

Houston TX Large Group Health Insurance Plans

The ACA (Affordable Care Act) requires companies employing more than fifty workers to provide those workers with access to health insurance. The company must ensure that the policies they offer include the designated essential benefits the ACA requires. Policies must also meet affordability standards. The affordability threshold for 2023 limits an employee’s share of the premium to 9.12 percent of their income. Companies can offer more than one plan, in which case at least one needs to comply with the affordability rules. If a company provides a choice between plans, at least one must meet the standard, which also requires that the policy cover 60 percent of anticipated expenses.

However, if employees have a choice between policy types, one may cost more than the threshold amount. This situation may allow workers to choose a policy that aligns with their needs and preferences, spending more if they choose. For example, some subscribers may want coverage with a lower premium even though it costs more if they use the services. These plans may make sense for consumers who don’t expect high usage and can afford to pay the higher usage cost. Others prefer a lower deductible and co-payment, even if the monthly premium is higher.

Still, all offered plans must cover the ten essential benefit areas designated by the ACA and at least 60 percent of anticipated costs.

Houston TX Small Business Health Insurance Plans

In cities like Houston, small companies have plenty of choices for providing health insurance – although they are not obligated to do so if they employ fewer than fifty workers. Since the ACA mandate doesn’t cover them, it’s up to each one to decide. Companies interested in sponsoring health insurance can find help from SHOP (Small Business Health Options Program.) The ACA legislation created SHOP, which provides resources, information, and incentives for offering compliant coverage.

Some businesses can qualify for a tax credit if they are eligible using these criteria:

  • Employ fewer than 25 employees
  • Pay lower average wages (currently set at less than $53,000 yearly)
  • Offer an eligible health plan from the Small Business Health Options Program or through a qualified broker like Taylor Benefits Insurance.
  • Subsidize at least half the cost for enrolled workers. The company does not have to share the cost for dependents.

Talk to your consultant about options for your small business.

Houston TX Employee Benefit Plans and Employee Benefit Packages

Companies today have to compete for high-quality workers using pay and benefits packages. Potential employees evaluate the benefits in addition to the pay when deciding whether to accept an offer. A good package often starts with health insurance, whether or not the employer is obligated to offer it by the ACA. High-quality health coverage is one of the critical elements of a benefits package, and offering choices will help attract potential workers. Besides insurance, workers often seek paid time off for illness, vacation, and holidays.

Other benefits that workers want include:

  • Retirement savings support
  • Dental and vision insurance
  • A flexible working schedule
  • Remote or hybrid work options
  • Childcare assistance
  • Tuition reimbursement

We Can Offer Your Business These Options to Help Care for Employees

  • Group health insurance
  • Group dental insurance
  • Group vision insurance
  • Dental insurance
  • Group short and long term disability insurance
  • Group life insurance
  • Section 125 cafeteria plans
  • Group 401k
  • Group Retirement
  • Workers Compensation
  • Medicare
  • Disability insurance plans
  • Prescription plans
  • PPO, HMO, Health Savings Accounts (HSA) and FSA health plans and accounts
  • Houston large group health insurance

Why You Should Go through an Insurance Broker

You’ll find that there is much more to take advantage of if you go through an insurance broker rather than an insurance carrier. Licensed insurance brokers are experienced and hold the ability to negotiate the rate of your group health insurance plan. They’ll even network with different types of carriers to get an individual consumer driven health plan package that meet all the needs of those working for you.

We want to help you provide affordable medical coverage to your employees so they can see how much you care as you protect them from illness and provide them with affordable employee benefits option.

Houston group health benefits and employee insurance plans

To receive more information and learn about exactly what health coverage we have to offer, give us a call at 800-903-6066.

Our staff members and insurance brokers are happy to assist our customers using our company resources and even offering a FREE quote!

Call now to get started and we will certainly find a health and employee benefits package that you can afford even for part time employees.

Are you looking for Texas Group Health Insurance & Employee Benefits? Click the quote button below to get an instant quote from best Texas companies.

Health Insurance Broker in Houston Texas

Though you get plenty of group health insurance options in Houston, choosing the correct one as per your business needs is important.

We have an experienced team of health insurance brokers at Taylor Benefits who can help you determine the right plan as per your needs.

We offer a variety of options to choose from such as Family Health Insurance, Health Savings Accounts (HSA), Short Term Health Insurance, Self Employed Health Insurance, Life Insurance, Individual insurance and Dental Insurance.

COBRA Notification Obligations

Under Consolidated Omnibus Budget Reconciliation Act (COBRA), the City of Houston should offer medicare supplement health coverage to its employees and/or their family members when the health plan expires due to certain conditions.

Find Affordable Health Insurance Plans in Houston Texas

Your financial future is in safe hands if you are purchasing Texas site health insurance for your business. An accident or sickness, preventive care costs, prescription medication costs, etc. are covered through Houston health insurance plan.

You must be aware about how to choose the right insurance company for you. We can help you with this by giving assistance to expertise in this field.

Employers who are searching for affordable and licensed medicare quote type in Houston can get complete enrollment details at Taylor Benefits.

Cost is not the only factor which needs to be taken care of before choosing a group health insurance or life insurance plan. We offer employee benefits plans as per your needs in Houston, Texas. We try to get you maximum insurance benefits from the money you are investing.

Texas group health insurance plans are affordable for any business size, so you can check which health service plan you qualify for.

FREE Health Insurance Quotes in Houston Texas

While completing our online form process, you will be able to choose the right plan by following a side-by-side comparison. If you have any doubts, our agents will guide in the decision-making process to get you the best licensed health or life insurance in Houston.

We will try our best to help you make the most informed decision. You only need to fill the request form and our knowledgeable staff will contact you with the answer to your group insurance benefits query in Houston, Texas.

Health Insurance Companies In Houston Texas

We offer you insurance benefits that satisfies your business needs as well as your company budget. Taylor Benefits experts will help you compare insurance plans from companies such as Aetna, Cigna, Humana, UnitedHealthOne, Blue Cross Blue Shield of Texas, and Assurant.

We will answer all your doubts regarding the insurance laws, pay amount, dental coverage, disability coverage, life insurance, etc. No paperwork or sign required to get a free online quote. Simply send a request note and we will revert asap.

Houston Health Insurance and Life Insurance Broker

The needs and requirements vary from person to person. So, we cannot find the same plan which suits the needs of everyone.

Instead, we are here to serve you with the best health insurance options and determine which health insurance companies in Houston can meet your needs. You will yourself analyze the cost of each plan and the benefits it will provide in Houston, Texas.

Before signing up and paying for your health insurance premiums, you would be certain that you have chosen the correct plan as per your needs in Houston, Texas.

Relevant Statistics

  • Over 60% of Houston companies offer group health insurance plans to their employees.
  • Houston has seen a 25% increase in the number of individuals covered by group health insurance in the past five years.
  • Approximately 90% of Houston residents with employer-sponsored group health insurance report being satisfied with their coverage.
  • The average annual premium for group health insurance in Houston is $6,500 per employee.
  • Over 80% of small businesses in Houston provide group health insurance options to attract and retain top talent.

General Facts

  • Houston offers a variety of group health insurance plans for businesses and organizations.
  • Group health insurance provides coverage to a defined group of people, often employees or members of an organization.
  • These insurance plans usually offer more affordable rates than individual health insurance policies.
  • Group health insurance typically covers a range of medical services, including doctor visits, hospital stays, and prescription medications.
  • Employers in Houston often offer group health insurance as part of their employee benefits package to attract and retain talented staff members.


Difference between in-network and out-of-network coverage?

In-Network – They typically cost less as these health benefits plan have a contract with the network of hospitals, doctors, labs, and other health care providers at a discounted rate. Health insurance company ties with network hospitals in Houston, Texas to provide best options for dental, vision, or health coverage.

Out-of-Network – These plans do not have a pre determined contract with health care providers in the country. Hence, you have yo pay higher premium for such plan.

What services have been added to the City of Houston’s medical plan as per the Patient Protection and Affordable Care Act (PPACA) guidelines?

In the recent years, the City of Houston offers following services based on Affordable Care Act guidelines:

  • Coverage and Benefits are provided for child dependents till the age of 26 in Houston (The age for dependents was increased to 26 on May 1, 2011)
  • No set limits on essential health requirements (City of Houston plans were in accordance with this requirement even before PPACA was applied, except for the limit on lifetime maximum)
  • There is no limit on lifetime benefits (On May 1, 2011, all limits were removed)
  • No cost needs to be shared for domestic violence and contraception screening. Contraception includes:
  • – Emergency contraception
  • – Birth control pills;
  • – Sterilization procedures;
  • – Diaphragms and sponges;
  • – IUDs and
  • – Counseling
  • 90 days is the maximum eligibility period.
  • A standard document covering all benefits is provided to all individuals enrolled in the plan yearly.
  • A pocket cost equal to $8,150 individual / $16,300 family is charged.
  • Therapies such as psychological counseling and hormone therapy are included.
  • Support is provided for breastfeeding equipment
  • Gender dysphoria surgery is included.
  • Free medications and nicotine replacement therapies are fully covered.
  • Telehealth benefits ( This City of Houston’s medical plan was effective from May 1, 2018)

Prior to the enactment of PPACA following requirements are included in the City of Houston’s medical plans:

  • All pre-existing conditions included
  • All true emergency services are covered
  • You can visit an OB/GYN without a referral
  • You can self-select a Primary Care Physician (PCP)
  • Preventive care services and immunizations are fully covered

Are you looking for a Texas  Group Health Insurance & Employee Benefit Plans? Click the quote button below to get an instant quote.

How much does small business insurance cost in Houston, Texas?

The cost of small business insurance in Houston, Texas, can vary depending on factors such as the type of coverage needed, the size of the business, and the industry. On average, it can range from $500 to $3,000 per year. 

How many employees do I need for small business health insurance in Houston, Texas?

The number of employees required for small business health insurance in Houston, Texas, can vary depending on the insurance provider and plan. Generally, small businesses with 1-50 employees are eligible for small business health insurance plans in Texas. 


What is the difference between an insurance broker, agent, and consultant in Houston, Texas?

In Houston, Texas, an insurance broker, agent, and consultant all play different roles in the insurance industry:

1. Insurance Broker: An insurance broker is an independent professional who works with multiple insurance companies to find the best coverage options for their clients. Brokers do not work for any specific insurance company and can provide unbiased advice and recommendations. They typically charge a fee for their services and are licensed by the state.

2. Insurance Agent: An insurance agent works directly for a specific insurance company and sells their products to clients. Agents are knowledgeable about the insurance products offered by their company and can help clients choose the right coverage for their needs. They are typically paid through commissions by the insurance company.

3. Insurance Consultant: An insurance consultant provides expert advice and guidance on insurance-related matters. Consultants may work independently or for a consulting firm, and they often specialize in specific areas of insurance, such as risk management or employee benefits. Consultants do not sell insurance policies directly but help clients navigate complex insurance issues.

Overall, the main difference between an insurance broker, agent, and consultant in Houston, Texas, lies in their roles and relationships with insurance companies. Brokers work independently and offer various options from insurers, agents work directly for one insurance company, and consultants provide specialized advice and expertise in insurance matters. 

What are the benefits of Houston Group Health Insurance?

Houston Group Health Insurance offers benefits such as cost savings through group rates, comprehensive employee coverage, improved employee retention and satisfaction, tax advantages for employers and employees, and access to a broader network of healthcare providers. 

How can I find affordable Houston Group Health Insurance?

You can find affordable Houston Group Health Insurance by comparing quotes from multiple insurance providers, considering different plan options, utilizing insurance brokers or agents, exploring government programs like Medicaid or CHIP, and negotiating with insurance companies for discounts or cost-saving measures. 

Is Houston Group Health Insurance mandatory for businesses?

Houston Group Health Insurance is not mandatory for businesses in Houston or elsewhere in the United States. However, offering health insurance benefits to employees can be a valuable tool for attracting and retaining top talent and promoting employee health and well-being. 

How does Houston Group Health Insurance compare to individual plans?

Houston Group Health Insurance typically offers lower premiums and better coverage than individual plans. Group plans also often have more comprehensive benefits and may include additional perks like wellness programs. Additionally, group plans are usually easier to qualify for and may have lower out-of-pocket costs. 

Can I customize my Houston Group Health Insurance plan?

Many Houston Group Health Insurance plans offer customization options such as choosing coverage levels, adding additional benefits, and selecting different provider networks. Working with a licensed insurance agent or broker is essential to help you navigate the customization process and find the best plan for your needs. 

What factors determine the cost of Houston Group Health Insurance?

The cost of Group Health Insurance is determined by factors such as the number of employees covered, the level of coverage selected, the age and health status of employees, the location of the business, and the insurance company’s pricing and underwriting criteria.

Frequently Asked Questions About Health Insurance And Employee Benefit Plans in Houston, Texas

Medical bills incurred after a patient is hospitalized or requires financial assistance from a healthcare provider are covered by comprehensive supplemental insurance in the US. Health insurance is not mandatory for residents of Texas. There is, however, a federal requirement that all Texans have health insurance. With one of the highest enrollment rates in the country, Texas uses the federal exchange for health insurance plans. The following are some answers to frequently asked questions about health insurance in Texas.

How Do Large Group Health Insurance Plans work in Houston, Texas?

Health insurance plans for large groups are the same across the country as they are in Houston, Texas. Companies with 50 or more employees provide employees with the essential security and benefits they need. The value of having a large group of employees covered by a health insurance plan at an affordable price for a business is excellent since some insurers may provide bulk discounts on such plans.

In Houston, Texas, What Is Considered a Small Business Group for Health Insurance Plans?

A company has to employ a certain number of workers in order to be considered a small business group. Unfortunately, employers fail to realize that they only need one eligible employee to qualify. A small business health insurance plan can cover a maximum of 50 employees. Upon reaching this threshold, you are eligible for large group health insurance.

What Are the Different Types of Benefits Offered in Houston, Texas?

A variety of benefits are available to employees of Houston, Texas companies. Some of these benefits include:

  • HSA
  • Dental Insurance
  • Vision Insurance
  • Short And Long Term Disability Insurance
  • Section 125 Cafeteria
  • Life Insurance
  • Vacation Options
  • Unemployment Plans 
  • 401k
  • Long Term Care
  • Health Insurance
  • Affordable Care Act
  • Retirement and Pension

A few basic plans are available to employees. You may choose to customize the insurance package you choose for employees based on the needs of each individual.

What Percent of Health Insurance is Paid by Employers?

Costs of insurance are shared by employers and employees. You may save money on your group insurance plan if it is exceptional. The cost of group health insurance premiums is usually between 70 and 90 percent, depending on the employee’s financial situation. Employees who are unable to pay for their healthcare may qualify for subsidies.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

We’re ready to help! Call today: 800-903-6066