Employee benefits update · Q2 2026 · Houston
Group health insurance has changed.
If your company has renewed the same fully insured plan year after year, there may be better options in the Houston market. Five quick questions below and a licensed advisor reviews yours — no obligation.
Question 1 of 5
How many employees do you have?
Full-time and part-time together. A best guess is fine.
How is your plan funded today?
Most employers say "not sure" — that is a perfectly good answer.
When does your plan renew?
The work that decides a renewal happens months before it lands.
What would help most right now?
Pick the one that stings. You can tell us the rest on the call.
How should we reach you?
A licensed advisor replies the same business day. We never sell or share your details.
No obligation, no cost. We store your answers and contact details so an advisor can prepare your review — never sold, never shared, and deleted on request. See our privacy notice. Prefer to talk now? 281.493.6862
Got it — thank you.
A licensed advisor will reach out the same business day.
While you wait: run the free ACA audit Download the full flyer (PDF)What is different now?
Level-funded plans
A middle-ground option with lower fixed monthly costs, clearer reporting, and possible savings when claims run well.
Reference-based pricing
A way to lower what the plan pays for certain services, while giving members someone to call and clear information about their options.
A broker who stays ahead of problems
Better results usually come from planning ahead, teaching employees how the plan works, handling the paperwork, working directly with carriers, and helping with HR and payroll questions.
The full flyer
All three pages — the service model and the 401(k) planning process included.
A renewal should not be an autopilot exercise.
A brief review can tell you whether your plan is leaving money on the table.
Start the five questions