- Providing world class service and value for employee benefit group plans since 1987
McAllen, Texas, located along the U.S.-Mexico border, is one of the fastest-growing cities in the Rio Grande Valley. Known for its booming healthcare sector, cross-border commerce, and resilient small business community, McAllen employers are playing an increasingly important role in regional economic development. But with rapid growth comes competition for qualified workers — and in today’s job market, professionals are seeking more than just steady pay. They’re prioritizing access to reliable group health insurance and robust employee benefit plans.
At Taylor Benefits Insurance, we understand the evolving needs of McAllen’s diverse workforce — from medical staff and educators to logistics professionals and retail employees. We help local businesses create customized group health plans that attract talent, reduce turnover, and improve employee satisfaction, all while keeping your business financially stable and compliant.
Whether you operate a medical practice near McAllen Heart Hospital or a distribution center along the border, offering group health insurance in McAllen can be one of the smartest moves your business makes. Here’s why:
Recruit Top Local Talent: A strong benefits package helps you stand out in a competitive hiring environment.
Boost Employee Retention: Workers are more likely to stay with companies that support their long-term health and financial well-being.
Improve Workforce Health: Preventive care leads to fewer absences, higher productivity, and lower long-term healthcare costs.
Receive Tax Advantages: Employer-paid premiums are usually tax-deductible and may lower payroll tax liabilities.
At Taylor Benefits Insurance, we work closely with McAllen businesses to develop flexible, high-value benefit plans that meet both employee needs and employer goals.
Every business has its own operational structure, workforce makeup, and budget. That’s why we help you evaluate the best group health insurance plans available for your McAllen-based company:
Health Maintenance Organization (HMO): HMO plans are cost-effective and promote preventive care. Employees must use a network of providers and get referrals for specialist services. These are well-suited to businesses seeking structured, predictable costs.
Preferred Provider Organization (PPO): PPOs provide more flexibility by allowing employees to visit any doctor, in-network or out-of-network, without referrals. This is a good choice for teams who prioritize provider freedom and comprehensive access.
Exclusive Provider Organization (EPO): EPOs only cover in-network services but do not require referrals. They offer a balance between lower premiums and decent access — a popular choice for mid-sized businesses.
High Deductible Health Plans (HDHP) with Health Savings Accounts (HSA): HDHPs have lower premiums and higher deductibles, allowing employees to pair them with HSAs to save pre-tax income for medical expenses. These work well for younger or cost-conscious teams.
Taylor Benefits Insurance will help you compare costs, networks, and coverage details to find the best solution for your business.
Years of work have allowed us to introduce a variety of group insurance products for our clients. These products include:
We understand that many businesses in McAllen are locally owned or operate with limited HR budgets. That’s why we specialize in designing affordable, scalable benefits solutions for small and mid-sized companies:
Level-Funded Plans: These offer consistent monthly premiums and the opportunity for refunds if employee claims stay low. They’re ideal for businesses that want budget stability and transparency.
Self-Funded Plans: In this model, employers pay employee claims directly, often with the help of a third-party administrator. These plans offer flexibility and potential savings but require strong financial oversight.
Defined Contribution Plans: Employers set a monthly allowance, and employees use that to purchase the health coverage that fits them best. This allows for employee choice and predictable employer spending.
Taylor Benefits Insurance will work with your budget, workforce size, and goals to find a plan structure that makes sense — now and into the future.
When offering group health insurance in McAllen, it’s important to remain compliant with all relevant regulations. Taylor Benefits keeps you aligned with:
Affordable Care Act (ACA): Employers with 50 or more full-time employees must offer affordable coverage that meets minimum value requirements.
ERISA (Employee Retirement Income Security Act): Ensures plans are administered fairly, with proper documentation and employee disclosures.
HIPAA (Health Insurance Portability and Accountability Act): Protects the privacy and security of employee health information.
Texas State Requirements: Includes mandates around mental health, women’s health services, and telemedicine.
We handle the compliance work behind the scenes so you can focus on leading your business without risk or stress.
With over 30 years of experience working with businesses nationwide, Taylor Benefits Insurance is trusted by employers in McAllen and across Texas. Here’s why:
Tailored Solutions: Every plan is designed around your company’s unique needs, industry, and budget.
Independent Market Access: We shop top carriers to secure the best rates and coverage options.
Clear, Straightforward Advice: We explain your options in plain language and help you make confident decisions.
Ongoing Support: From enrollment to compliance and annual renewals, we stay with you every step of the way.
Whether you’re building a new benefits strategy or improving your current offering, we’ll help you make the most of every dollar you invest.
Your employees are your most important asset — and the right group health insurance and employee benefits package is the foundation for a healthy, stable, and successful team. At Taylor Benefits Insurance, we make it easy to build a plan that meets your goals and grows with your business.
Contact us today for a free consultation and take the first step toward a smarter, more competitive benefits strategy in McAllen.
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.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
We’re ready to help! Call today: 800-903-6066