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Texas health insurance  Understand Texas health coverage Group health insurance in Texas

Your Road Map to Texas Group Health Insurance

Texas Employer-Sponsored Health Insurance Summarized

In order to qualify as a group in Texas for health insurance, the company must have at least two participants. Participants can either be W-2 employees employed by the company or officers of a limited liability company. Employees who are designated as W-2 employees must work at least 30 hours per week. There are over 500 different plan options from the carriers that Stateside represents.

Key Aspects of Group Coverage

Group coverage in Texas for companies with less than 50 employees is guaranteed issue, which means a company's employees will be offered health insurance coverage regardless of their health history or current health condition. Guaranteed issue does not apply for employers with more than 50 employees.

Carriers can require a specified level of participation from the employees in order to qualify as a group. Typical required participation is 75%, but carriers have become more lenient. Employees' spouses and children are not included in the 75% participation requirement.

Small group premiums can be increased as much as 66% from the lowest available premium to the highest available premium based on the size of the group, the group demographics, and health history of the applicants.

Group coverage will be more comprehensive than coverage in the individual and family market. Group coverage will include maternity benefits, mental health benefits and prescription benefits with minimal restrictions.

Continuation of coverage is available for employees who leave a company's employment. If the number of employees is less than 20, additional coverage is available through the State Continuation of Coverage. If the number of employees is greater than 20 then C.O.B.R.A. rules will apply.

Stateside will help you understand your group coverage options and walk your employees through the enrollment process. Complete the employer information and provide a census on your staff and Stateside will generate a proposal with group options from carriers such as Aetna, Blue Cross Blue Shield, CIGNA, Humana and United Healthcare.

 

Contact Stateside to Discuss Texas Group Health Options

You can contact Stateside Insurance Services in whichever way is most convenient for you:

www.texasplans.com
Toll Free: (866) 444-3332
Austin Local: (512) 542-9760
Email: info@texasplans.com 
Toll Free Fax: (800) 349-2730

You can run your Health Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 866-444-3332 Today!

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If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040 tax form:


Single Person: $11k - $47k
2 People $16k - $63k
3 People $20k - $79k
4 People $24k - $95k

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Thousands of Texas Families
Hundreds of Texas Businesses

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Thousands of Texas Families
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Contact TexasPlans.com

To Get Started

You can get the enrollment process started using any of the following:

Click on the Instant Quote link and provide census information.  Stateside will respond with a proposal that outlines your various plan options with premium cost.

Call (866) 444-3332 (toll free) and speak with a licensed representative regarding your coverage, subsidy and enrollment questions.

Email Stateside at info@texasplans.com with demographic information (date of birth, zip code and gender), and a proposal will be sent to you.

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

866-444-3332

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