Local Expertise, National Reach
We're deeply rooted in Texas, but our network spans the nation. This gets you the best of both worlds: personalized service with access to top-tier plans.
Tailored Group Health Insurance Solutions to Fit Your Business Needs
Let us help you navigate the complexities of group health insurance. We offer customized solutions designed to meet the unique needs of your business and employees.
Your Partner for Compliance & Savings
Finding the right group health insurance plan for your Texas business can feel like searching through a maze. Here at Primary Care Insurance Solutions, we're your guide. As local Texas insurance brokers with national resources, we offer unbiased advice.
We take the time to understand your company's unique needs and goals, then use our expertise to find a plan that provides comprehensive coverage at a competitive price.
Why Us
Why Choose Primary Care Insurance Solutions?
Navigating the complexities of group health insurance can be challenging. We simplify the process and provide expert guidance to help you make informed decisions that benefit your business and your employees. We are committed to finding the right solutions for your unique needs.
Unbiased Advice, Your Needs First
We're not tied to any single insurer. Our only goal is finding the right coverage for YOUR employees, at the right price for YOUR company.
ACA Compliance, Worry-Free
The Affordable Care Act is constantly changing. We keep up, so you don't have to. Rest assured your plan meets regulations, avoiding costly fines.
Ongoing Support, Beyond the Sale
We're not just here for the initial setup. Have questions? Need to make changes? We're your dedicated resource for the life of your plan.
What Our Clients Are Saying
FAQ
Your Group Health Insurance Questions, Answered
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.
EN 
ES