Compare 2026 small & mid-market group health plans from every major Texas carrier — fully insured, level funded, and association-based options for businesses with 2–500 employees. One agent, every quote, no fees.
Texas Group Health Carriers We Quote
Each carrier brings something different to the table — network depth, level-funded savings, all-in pricing, or specialty programs. Click through for plan details, or request a quote and we’ll match you to the best fit.
Blue Cross Blue Shield of Texas
Largest network in Texas. Blue Advantage HMO, Blue Choice PPO, Blue Value HMO, and Blue Balance Funded level funded.
Cigna Healthcare
Strong national PPO network with robust telehealth, behavioral health, and chronic-condition management programs.
Aetna
Open Access plans, signature wellness incentives, and one of the most flexible self-funded administrators in Texas.
UnitedHealthcare
Largest national network, deep Texas footprint, and All Savers level funded for groups looking to bend the cost curve.
Sana Benefits
Modern level-funded carrier built for small businesses — transparent pricing, included telehealth, and zero-deductible primary care.
Arlo Health
Level-funded plans with reference-based pricing options. Built for groups that want underwriting credit for healthier populations.
Trustmark
Self-funded specialist for 25–500 lives. Aggregate stop-loss, multi-network options, and strong claims surplus return.
Surest (UnitedHealthcare)
Copay-only plan design — no deductibles, no coinsurance. Employees see the price before booking. Available for 51+ groups.
Allstate Benefits
Self-funded health plans for 2–100 employees plus voluntary worksite benefits — accident, critical illness, and short-term disability.
Allied National
Small-group level-funded specialist (2–100 lives). Surplus refund eligibility, individual stop-loss, and rapid-quote turnaround.
Angle Health
Tech-forward small group carrier. Built-in $0 virtual primary care, modern member app, and competitive Aetna network access.
How We Help You Choose
Texas Health Agents is independent — we don’t work for any single carrier. When you request a quote, we run your census against every carrier above, compare apples-to-apples on plan design, network access, and total cost (premiums plus expected claims), and walk you through the trade-offs.
1. Census & Goals
Send us employee count, ages, ZIP codes, and what matters most — lowest premium, richest benefits, broadest network, or savings potential.
2. Multi-Carrier Quote
Within 48 hours we deliver a side-by-side comparison: fully-insured options from BCBSTX, Cigna, Aetna, UHC plus level-funded from Sana, Arlo, Trustmark, Allstate, Allied, Angle.
3. Enroll & Service
We handle enrollment, employee meetings, ID cards, and stay on as your service team for renewals, claims questions, and adds/drops.
Texas Group Health FAQs
What is the difference between fully insured and level funded?
A fully insured plan (BCBSTX, Cigna, Aetna, UHC, Angle) charges a fixed premium — the carrier takes the risk. A level funded plan (Sana, Arlo, Trustmark, Allstate Benefits, Allied National, Surest) splits your monthly cost into claims fund + stop-loss + admin; if claims come in low, you get a year-end surplus refund. Healthier groups typically save 10–25% with level funded.
How small can my group be to qualify?
Most Texas group plans require 2 enrolled employees. BCBSTX, Cigna, Aetna, UHC, and Angle Health quote at 2 lives. Level-funded carriers (Sana, Arlo, Allied National, Allstate Benefits) typically need 5–10 enrolled to underwrite. Trustmark and Surest start at 25–51.
Do I have to offer the plan to all employees?
You must offer it to all eligible full-time employees (30+ hours/week per the ACA). You can choose to extend it to part-timers and dependents at your discretion. Most carriers require 70–75% of eligible employees to enroll for the group to be underwritten.
How much do employers typically contribute?
Most Texas employers contribute 50–75% of the employee-only premium. Carriers usually require a minimum 50% employer contribution toward employee-only coverage. Dependent coverage is often offered as a voluntary add-on at the employee’s expense.
What about ICHRA and QSEHRA?
If a traditional group plan isn’t the right fit, we also set up Individual Coverage HRAs (ICHRA) and Qualified Small Employer HRAs (QSEHRA) where you reimburse employees tax-free for individual marketplace plans. Ask us about both options when we quote.
Are there tax advantages to offering group health?
Yes. Employer contributions are tax-deductible as a business expense. Employee contributions can be made pre-tax via a Section 125 plan, lowering both employee income tax and employer payroll taxes. Groups under 25 FTEs may qualify for the Small Business Health Care Tax Credit through SHOP.
Get Your Free Texas Group Quote
One submission, every carrier compared. We’ll have a side-by-side proposal in your inbox within 48 hours.
Or call us directly: (972) 666-0578
Texas Health Agents | Licensed Insurance Producer | Serving All of Texas
