The Renewal Just Jumped.
The carrier's letter landed, the premium went up again, and you have a few weeks to choose between 70+ carriers and a stack of ACA rules nobody explained.
Houston Group Health Insurance Broker for Your Business
Group Health Coverage Your Team Values, At a Cost You Can Defend
PCI Solutions (Primary Care Insurance Solutions, LLC) is a Houston-based group health insurance brokerage serving small and mid-sized Texas employers. We compare 70+ carriers, explain your options in plain English, and stay with you through every renewal.
$10M+
Saved
70+
Carriers
97%
Retention
And It's on You to Explain It.
Maybe you inherited benefits, or this is your first plan. Either way, you shouldn't need an insurance degree to take care of your people, or a broker who vanishes the day you sign.
Who You'll Work With
We Know Renewal Season Is Stressful
Most of our clients aren't benefits experts, and they shouldn't have to be. Dustin Neider, our President and ACA Specialist, has spent nearly 20 years in health insurance helping 500+ Houston groups through the family firm. He's a Houston native, and his team works from our office on Star Lane.
Meet the TeamHow It Works
Three Steps to the Right Plan
No jargon, no pressure. A real person in our Houston office walks you through it.
- 1
Tell Us About Your Team
A short call about your people, your budget, and what isn't working today.
- 2
We Compare 70+ Carriers
We do the shopping and explain every option in plain terms.
- 3
Pick a Plan. We Stay.
You choose with confidence. We handle enrollment, questions, and every renewal after.
Peace of Mind
Benefits That Work for You, Not Against You
Most employers come to us after a rough renewal or a broker who went quiet. Here is what's different once we're on your side.
A Renewal You Can Defend
No more signing whatever the carrier sends. You see what the market offers, and you walk into the owner's office with a plan and a reason for it.
Compliance Without the Guesswork
ACA rules, filings, and notices get handled before they turn into penalties, so you're not finding out about them from the IRS.
People Who Stay, and a Broker Who Answers
Benefits that help you hire and keep good employees, backed by a local team that picks up the phone long after enrollment.
Reviews
What Houston Employers Say
Services
Everything Your Group Needs
Group health is where most clients start. We also cover the rest of your benefits package.
Group Health Insurance
Simplify group health insurance with PCI's tailored plans. Our local expertise and national reach deliver unbiased, ACA compliant coverage with ongoing support for your Texas business.
See moreHR Compliance and Support
PCI offers customized, simple solutions to manage benefits and renewals. Save time and avoid penalties with expert guidance tailored to your business.
See moreAgent of Record
We handle carrier relationships, policy changes, and renewals while advocating for your best interests, giving you a single point of contact for all your insurance needs.
See moreDental Insurance
Keep your team healthy and productive with PCI's group dental plans, with comprehensive options for cleanings, exams, and major dental work.
See moreWorksite Benefits
From accident and critical illness to supplemental life insurance, our payroll-deducted plans give employees affordable coverage while reducing your administrative burden.
See moreDisability Insurance
Our short- and long-term plans secure income during illness or injury, ensuring financial security and peace of mind.
See moreLong-Term Care Insurance
From home care to hospice, we protect both your team's savings and their peace of mind when they need support most.
See moreTerm Life Insurance
Secure your team's future with PCI's Houston-based group life insurance. Affordable, customizable coverage that protects what matters most.
See moreVision Insurance
Our Houston plans include coverage for eye exams, glasses, and contacts at competitive rates.
See moreHealth Reimbursement Arrangements
Custom HRA plans that offer tax advantages, reduce costs, and give your team more control over their care.
See moreEmployer's Health Insurance Buyer's Guide
Explore ACA guidelines, plan types, networks, and more, with free, unbiased advice tailored to Houston businesses.
See moreSmall-business health insurance
Coverage built for Houston small businesses. We compare eligibility, carrier networks, funding options and employee costs, then stay with you through enrollment.
See moreGroup health insurance cost planning
Understand what drives your group premiums before you quote. We help you compare plan costs, networks and employer contributions side by side.
See moreLevel-funded health plans in Texas
See whether level funding fits your Texas group. We weigh stop-loss terms, potential surplus, claims exposure and renewal risk against fully insured coverage.
See moreICHRA for Houston employers
Give employees a tax-advantaged allowance for individual coverage. We help set allowances and employee classes, and handle subsidy rules and required notices.
See moreGet Started
Get a Plan You Can Stand Behind
Tell us about your team. A real person in our Houston office will get back to you, Monday to Friday, 8:30 to 4:30.
Blog
Learn More on Our Blog
The latest news affecting group and individual health insurance in Houston.
Dental Insurance Brokers: A Houston Employer's Checklist
For your Houston business, start with the dentists your employees want to keep. Ask dental insurance brokers to explain dentist access, costs and plan limits.
Read more: Dental Insurance Brokers: A Houston Employer's ChecklistShould Your Business Cover GLP-1 Weight-Loss Drugs?
Decide GLP-1 weight-management coverage using your plan's actual options, eligibility rules, net costs and employee access, with medical and stop-loss terms aligned.
Read more: Should Your Business Cover GLP-1 Weight-Loss Drugs?
Employee Turning 65: Medicare Checklist for Texas Employers
Check payer order, Medicare dates, drug notices, HSA deposits and family coverage without choosing Medicare coverage for an employee.
Read more: Employee Turning 65: Medicare Checklist for Texas Employers
What Is a Level-Funded Health Plan?
A level-funded health plan is a self-funded employer health plan packaged with regular monthly payments for expected claims, administration and stop-loss insurance. It can make budgeting easier, but it is not the same as buying fully insured coverage. The employer retains plan responsibilities and contract-dependent financial exposure.
Read more: What Is a Level-Funded Health Plan?FAQ
Group Health Insurance Questions, Answered
What does a group health insurance broker do?
A group health insurance broker helps employers compare plans from multiple carriers, understand coverage and costs, enroll employees, and stay compliant with the ACA. PCI Solutions does this for Houston businesses and stays with you through every renewal.
How much does group health insurance cost in Houston?
There is no single price. Premiums depend on the plan design, the number and ages of covered employees and dependents, your employer contribution, and the carrier. We compare quotes across 70+ carriers so you can see the employer and employee share before you decide.
Does it cost anything to work with PCI Solutions?
No. Our services are completely free for employers.
Can I switch brokers without changing my plan?
Yes. You can name PCI Solutions as your Agent of Record and keep your current plan. We take over renewals, enrollment questions and compliance support.
Not Ready to Talk Yet?
Read the free Employer's Texas Health Insurance Buyer's Guide: ACA rules, plan types, and networks, explained in plain English.