houstonsmallbusinesshealthinsu

  1. Yes, Coverage Starts With Just One Employee Many owners believe the magic number is twenty or fifty before anything decent shows up. Not true. The moment one non-spouse W-2 employee joins the payroll, small-group plans become available. The sweet spot sits between two and fifty people, where rates stay low, and carriers actually compete for the business. 2. The Four Plans That Actually Matter Only four options appear again and again, and that simplicity helps: ·          HMO delivers the lowest monthly cost, but keeps everyone inside a tight network with referrals required. ·          PPO costs more each month and gives complete freedom to see any doctor without referrals, which is why most teams choose it. ·          EPO works like PPO but cuts out-of-network coverage except for emergencies. ·          Hi...

  Understand What Your Team Really Wants Take ten minutes and actually ask your employees. Do they care more about low copays for doctor visits, solid maternity coverage, or affordable prescriptions for ongoing meds? Most groups have two or three non-negotiables. Build the plan around those priorities. Skip the extras nobody uses. You’ll cut hundreds off the monthly bill and still hand over a package everyone feels good about. Work With a Broker Who Knows the Local Market Trying to compare plans solo is exhausting and usually ends with paying too much. A sharp broker who focuses on health insurance for small businesses in Houston already knows which carriers are offering the best deals. And here’s the best part: the insurance company pays their fee, so you get expert help for free. Claim the Tax Credit You’re Probably Missing If you have fewer than 25 full-time employees, pay average wages under about $60,000, and cover at least half the premium, the federal government w...