Businesses with at least two full-time taxable employees or associations such as labor unions qualify for Texas group health insurance. The Texas group medical insurance provider usually writes one master contract to cover the entire group.

Group health insurance providers in Texas also provide small businesses benefits other than medical care for employees. The financial risk is distributed between all of the members of the group, usually resulting in greater coverage and lower premiums for a group health plan. Group medical insurance in Texas also has tax advantages because all of the employer contributions are usually tax deductible.

Three key points to consider when evaluating a Texas group health insurance plan:

1. The deductible. This is the amount that is paid by the policy holder before Texas group health care insurance will begin to cover costs.

2. The coverage limit. This is the maximum amount that will be paid by Texas group medical insurance.

3. The health provider network. Texas group health insurance companies usually will cover only those services that were provided by specified health care professionals. You must ensure that there are enough local providers in the network to cover the medical requirements of your group.

Action Steps
The best contacts and resources to help you get it done

Get a referral to a Texas group insurance company

A referral provides you with a quote and the insurance agent's contact information without speaking to them until you are ready.

I recommend: Go to The Endeavor Group for referrals on affordable group health insurance in north Texas with insurance carriers such as Unicare and World Insurance.

Get a variety of quotes from companies that provide group health insurance in Texas

Employees should prefer a group health plan over an individual health plan because the employer pays for a portion of the group health plan. Group health insurance in TX is also easier to qualify for because it has a lower requirement on the health of its policy holders.

I recommend: Visit Texas Health Insurance and have it determine the best health plan for your business. Texas Health Insurance represents some of the largest Texas group health care insurance such as Aetna, Unicare and United Healthcare.

Find quotes for specific group health insurance in Texas

To avoid any costly surprises, supply the most complete information you can about your business and its employees when seeking a quote from a specific agency for group health insurance in Texas.

I recommend: Provide information about your business with AABCO for a free quote on group medical insurance in Texas. AABCO has been in business since 1993 and call The Woodlands, TX, home.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide a customized health care plan for your part-time and temporary employees. Group health insurance in TX frequently will offer these employees a less expensive plan that provides basic coverage for essential benefits in addition to discounts on some services that are not covered outright. A part-time employee can also use Flexible Spending Accounts to manage health care costs.