Group Health Coverage Your Team Values, at a Cost Your Business Can Plan Around
Independent Texas brokers. National carrier access.
If you run a Texas business, we compare plans across the market, keep you inside the ACA rules, and stay on your account long after the paperwork is signed.
How it works
From Your Headcount to a Signed Plan
Group health insurance is the plan your company sponsors for your employees and their families. We do the searching, the math and the paperwork, then bring you a recommendation you can act on.
- 1
We Learn Your Business
First we take your headcount, your budget and what you want the plan to do for your people. That sets the target before anyone quotes a rate.
- 2
We Shop the Whole Market
With that target set, we compare plans across our national carrier network. We are not tied to any single insurer, so what comes back to you is only what fits your company and your employees.
- 3
We Stay on the Account
Once the plan is signed, setup is the start and not the finish. Renewals, plan changes and employee questions come back to us for the life of your plan.
Why PCIS
Why Houston Employers Work with Us
A group health decision is hard to reverse for a year. Four things decide whether that year goes well.
Local Expertise, National Reach
We are deeply rooted in Texas and our network spans the country. You get personal service with access to top-tier plans.
Unbiased Advice
We answer to you, not to a single insurer. The only goal is the right coverage for your employees at the right price for your company.
ACA Compliance Handled
The Affordable Care Act keeps changing. We track it so your plan stays within the regulations and you avoid costly fines.
Support After the Sale
A new hire, a mid-year change, a question about a claim: you have one dedicated resource for the life of the plan.
Compliance
The Rules That Decide What Your Plan Must Include
Most of the risk in group health is regulatory, and most of it turns on your headcount. This is what we check before recommending anything, and what we recheck at no cost on the plan you already have.
The 50-Employee Line
At 50 or more full-time equivalents the Employer Mandate applies: offer quality coverage or pay penalties. We calculate your FTEs so you know which side of that line you sit on.
Essential Health Benefits
A compliant plan has to cover doctor visits, mental health, prescription drugs and pediatric dental and vision. We only put forward plans that meet or exceed those standards.
Rating Rules Under 50 Employees
Smaller groups are exempt from the mandate but not from adjusted community rating, where employee age and tobacco use move your premium. Those nuances are where the savings usually are.
Explore your funding options
The right approach depends on your budget, group size and how much cost certainty you want. Use these guides to compare the main paths before you request quotes.
Cost in Houston
See what shapes a Houston employer’s premiums, including group size, employee ages, plan design, contribution strategy and carrier choices. Use these factors to prepare for a clearer quote conversation. Next: Group Health Insurance Cost in Houston.
Level-Funded Plans
A level-funded plan combines predictable monthly payments with claims-based funding and stop-loss protection. It may suit some Texas employers, but the trade-offs need careful comparison before a decision. Next: Level-Funded Health Plans in Texas.
ICHRA
An Individual Coverage Health Reimbursement Arrangement lets an employer provide a defined allowance while employees choose individual coverage. Eligibility, employee classes and administration matter before you adopt one. Next: ICHRA for Houston Employers.
Small Business Health Insurance
Small employers face different participation, contribution and plan-selection questions. Review the practical starting points for offering benefits, comparing carriers and preparing your employee census. Next: Small Business Health Insurance in Houston.
Compare group health insurance costs in Houston, review level-funded health plans in Texas, understand ICHRA options for Houston employers, or start with small business health insurance in Houston.
FAQ
Frequently Asked Questions
What are the ACA requirements for my business?
It depends on your size. 50+ full-time employees (FTEs) triggers the “Employer Mandate” – you must offer quality insurance or pay penalties. We can calculate your FTEs and explain your options. Under 50 FTEs? You’re exempt from the mandate, but adjusted community rates apply. We can help you find plans that balance cost and coverage, even with these rules.
What penalties could my business face for non-compliance?
For large groups, not offering minimum coverage can result in a per-employee fine. Even if you offer a plan, not meeting certain standards can trigger tax credits for employees, leading to different penalties for your business. We’ll help you avoid these risks altogether.
What are "Essential Health Benefits" and does my plan need them?
Yes! All compliant plans must cover services from doctor visits to mental health, prescription drugs, and even pediatric dental/vision. We ensure the plans we recommend meet or exceed these standards.
How can I tell if my current group health insurance is ACA compliant?
We can analyze your existing plan at no cost. We’ll check for Essential Health Benefits, actuarial value (how much of costs the plan covers on average), and other factors to determine if adjustments are needed.
What if my company has less than 50 employees?
You’re exempt from the Employer Mandate’s “pay or play” rule, but you’ll still need to comply with adjusted community rating rules. These can affect premiums based on your employees’ ages, tobacco use, etc. We’re experts at navigating these nuances to find you the most affordable, compliant plan.
Reviews
What Our Clients Are Saying
Let Us Find the Plan Your Business Should Be On
Tell us your headcount and your renewal date. We will review your current coverage at no cost and bring you compliant options that fit.