Texas defines a small group as an employer who employed up to 50 Average Total Number of Employees (ATNE) in the calendar year prior to the effective date of the policy. Carriers may count all employees of groups related by common ownership, control, or affiliation together to determine the appropriate market segment for a given group. Each carrier uses a different methodology for computing the total. Carriers offer traditional community rated metallic plans, self-funded plans, and association health plans to small groups.
We use a quoting platform we built to automate the quoting process with all carriers. We deliver a custom, dynamic Excel illustration package that summarizes all plans—including the incumbent carrier’s plans and alternates—for every group along with each carrier’s official quote. The client-ready package highlights each carrier so your client can make an informed decision based on benefits, network, and pricing. The service teams manage the underwriting and installation processes on your behalf.
Our service teams support the entire life cycle of the case—quoting, underwriting, installation processing, ongoing escalated service, and renewal management. Quote request forms are available on our Quote Requests page.
The table below provides an overview of the carrier portfolios for small group employers. We maintain formal general agent agreements with each.
| Carrier | Fully Insured | Self-Funded | Comments | Directory |
|---|---|---|---|---|
| BlueCross BlueShield | • | • | Blue Balance Funded requires 10+ enrolled. | All Plans |
| Cigna | • | ASO and Level Funding programs. Requires 25+ enrolled. | All Plans | |
| Humana | • | • | Level Funded Premium requires 5+ enrolled. | All Plans |
| Memorial Hermann | • | • | Small group and Hybrid plans available 2-50. | All Plans |
| National General | • | Formerly Assurant Health. Requires 5+ enrolled. | Aetna Cigna |
|
| Scott & White | • | North and Central TX | All Plans | |
| UnitedHealthcare | • | • | Self-funded via All Savers (5+ enrolled). ACEC and BBF-TCBC association plans (2-50 enrolled). | UHC ACA All Savers |