If you’ve been paying attention to the small group health insurance market, you know something isn’t quite right.
Premiums continue to rise.
Carrier participation is shrinking.
And more small employers are asking a difficult question:
“Can we still afford to offer health insurance at all?”
For many, the answer is becoming no, or at least, not in the traditional way.
That’s where TexHealth comes in.
A Practical Solution in a Market Under Pressure
At TexHealth, we work with small businesses, typically those with 2 to 50 employees, who want to offer health insurance but are struggling with affordability.
Our Premium Assistance Program is built on a simple but powerful idea:
shared responsibility.
- Employers contribute toward coverage
- Employees contribute their share
- TexHealth provides a subsidy, up to $110 per employee per month
This three-share model reduces the financial burden on both employers and employees, making coverage viable again.
And importantly, we do this without disrupting the existing insurance market.
We work alongside:
- Fully insured small group plans
- ICHRAs
- Level-funded plans
This flexibility allows agents and employers to design coverage strategies that work, while making them more affordable.
Why This Matters Right Now
The small group market is at a crossroads.
We are seeing:
- Employers shifting toward ICHRAs
- Increased interest in alternative models like Direct Primary Care and MEC plans
- Growing concern about whether traditional group coverage can survive long term
These trends are not happening in a vacuum. They are a direct response to cost pressures driven, in part, by:
- Expanding mandated benefits
- Rising healthcare utilization
- Limited competition in certain markets
For small employers, the result is simple: fewer affordable options.
TexHealth helps stabilize this environment.
By lowering employee premium costs, we:
- Improve participation rates
- Strengthen employer-sponsored coverage
- Reduce the number of uninsured working individuals
Real Impact, Real Businesses
This isn’t theoretical.
TexHealth is currently:
- Serving over 140 small businesses
- Supporting more than 1,000 covered lives
- Consistently deploying over 90% of available subsidy funding
Behind every number is a business owner trying to do right by their employees, and employees who can finally access coverage that was previously out of reach.
A Win for Employers, Employees, and Communities
Affordable health coverage is more than a benefit, it’s an economic driver.
When small businesses can offer health insurance:
- They attract and retain talent
- Employees are more productive and financially stable
- Communities experience less uncompensated care
In short, everyone benefits.
The Opportunity Ahead
With recent legislative progress enabling broader statewide reach, TexHealth is positioned to expand its impact significantly.
But demand already exceeds available funding.
There are more employers who want to participate.
More employees who qualify.
More communities that would benefit.
The opportunity is clear:
Expand access. Strengthen small businesses. Reduce the uninsured.
Final Thought
In a time when the small group market feels increasingly uncertain, solutions don’t need to be complicated, they need to be effective.
TexHealth is exactly that.
A proven model.
A practical approach.
And yes—still one of the best kept secrets in small group health insurance.