Texas Group Health Insurance
Texas Health Agents is an independent agent and as such, we are free to market your coverage to all our carriers. We work with small and large employers to find the programs that fit the needs of their staff and insurance goals. From initial analysis of your needs, and doing our due diligence of marketing; to implementation and holding employee enrollment meetings, our experienced staff will be there for you through the entire process.
Once your programs are in place, we will work with company representatives directly to ensure your programs run well, including additions, deletions of employees, and resolution of any claim or billing problems that may occur. Healthcare benefits are continually changing, we are on top of those changes and keep our clients informed along the way.
Service Commitment
As your brokerage agency, we are committed to meeting and exceeding your expectations. Our services to your company will include, but are not limited to:
- NInitial consultation to evaluate current benefit program (Annual Review Meeting).
- NFollow-up discussion(s)/meeting(s) following initial consultation prior to Market Analysis presentation.
- NDevelopment and presentation of our Market Analysis as well as Renewal Analysis (if applicable).
- NFull assistance with insurance carrier renewal/transition including:
- NTimetable provided for making a successful carrier renewal/transition
- NHolding Employee Education Meetings for the following reasons:
- NEducating employees on the Healthcare industry (why costs continue to increase), how to get the most benefit out of their health program, and managing employees’ expectations of what’s to come
- NEducating employees on how to get the most out of their health program
- NEmployer Contribution Strategies
- NProcessing center for new hire additions and terminations
- NResolving billing discrepancies
- NOn-going services and programs offered throughout the year including:
- NAnnual Review Meeting
- NCOBRA/Section 125 Administration
- NEmployer/Employee Insurance Online Portal
- NTax Saving Strategies including Section 125 Plan Administration
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Texas Group Insurance Solutions
Every employer is different. We offer multiple group health plan structures so you can find the right fit for your team and budget.
Group Health Insurance
Overview of all employer group health plans in Texas.
Learn More →ICHRA Employer Plans
Give employees a tax-free monthly allowance to buy their own coverage.
Learn More →Level Funded Plans
Predictable monthly payments with potential year-end refunds if claims are low.
Learn More →Fully Insured Plans
Traditional group coverage from major carriers - simple, fixed monthly premiums.
Learn More →Self-Funded Plans
Employers pay claims directly - maximum control and cost transparency for larger groups.
Learn More →Carriers We Work With
Benefits Administration and HR, Without Adding Headcount
Choosing a plan is the easy part. What actually costs Texas employers time is everything after: enrollment, new hires, terminations, compliance filings, billing errors, and the employee who cannot find their ID card. We take that on as part of being your broker, at no additional cost.
The platform we run your benefits on✓ No cost to your company. We cover the platform fee for our group clients.
Employee Navigator is the benefits and HR platform used by more than 175,000 employers, with direct connections to 500+ carriers and payroll providers. Most brokers either charge employers for it or do not offer it at all. If you do not have an enrollment portal today, this is usually the single biggest upgrade to your benefits operation, and it costs you nothing.
- We build and maintain your plan libraryEvery plan, rate, contribution rule, and eligibility class gets loaded and kept current by us. There is nothing for your HR staff to configure.
- Your employees enroll themselvesStaff log in from a phone or laptop, compare plans, see their real per-paycheck cost, and elect coverage. New hires onboard the same way.
- Elections flow straight to the carriersWe handle carrier submissions and feeds. No more spreadsheets emailed back and forth, and far fewer enrollment errors to unwind in March.
- You use it all yearOnboarding, new hire and termination processing, ACA reporting, PTO tracking, and document storage, plus a permanent record of who elected what and when.
Watch the 4 minute overview of Employee Navigator: all in one benefits, HR, and compliance.
Already running payroll somewhere? We work inside it.
You do not have to move platforms to work with us. We are a registered broker partner with the major payroll and HR systems, which means we can be assigned to your existing account and administer your benefits there. Your team keeps the login they already know, and deductions stay in sync with payroll instead of being retyped every month.
Benefits and payroll in one place, popular with Texas startups and small teams. We are a registered Gusto broker partner.See how we work in Gusto →
Payroll, HR, and IT in a single system. As a registered Rippling broker partner we can be assigned to your account and manage benefits inside it.See how we work in Rippling →
Run payroll on ADP Workforce Now or RUN? We are an ADP broker partner and can be appointed as broker of record on your benefits.
We are a Paylocity broker partner, so your benefits, deductions, and enrollment data stay inside the system your managers already use.Not on any of these? We also work in Employee Navigator, Ease, and most carrier portals, and we will tell you honestly if your current setup is fine as is. We do not get paid to move you.
What we take off your plate
Most small and mid sized Texas employers do not have a dedicated benefits person. The work still exists, so it lands on an office manager, a controller, or the owner. Bringing us on adds that capability without adding headcount:
- Compliance oversight. ACA tracking and 1094/1095 filing, Section 125 and POP documents, COBRA administration, 5500 filings where required, and notice distribution. We watch the deadlines so a missed form does not turn into a penalty letter.
- Benefits administration. Enrollment builds, new hire and termination processing, qualifying life events, dependent verification, and carrier eligibility corrections. Your HR contact sends one email and it is handled.
- Brokerage and market analysis. Full market shopping across every carrier we represent, renewal analysis, contribution modeling, and a plain English recommendation. Independent, so the answer is not predetermined.
- Day to day employee support. Your employees call us directly about ID cards, claims, billing errors, and which plan covers what. That volume never reaches your desk.
The point is simple. Benefits and the HR work around them should take a few hours of your month, not a few days. You run your business, we run the plan.
What Our Business Clients Say
Texas employers trust us to find the right coverage at the right price.
"Ryan and his team took the complexity out of setting up group health for our staff. They shopped every carrier, explained the options clearly, and had us enrolled in no time. Our employees are happy with the coverage - and so are we."
"As a courier operation, our workforce changes throughout the year. Texas Health Agents made managing additions and terminations easy. They handle all the administrative headaches so we can focus on running our routes."
"I'd been putting off group health for years because I thought it would be too expensive. Ryan ran the numbers and found us a level-funded plan that was way more affordable than I expected. Wish I'd called sooner."