How This Works

From First Call to Covered, in Three Moves

Most Texas groups go from first conversation to active coverage inside about a week.

1

Tell Us About Your Team

A short call or the form above. Headcount, ages, ZIP codes, and what you are trying to spend.

2

We Price Every Structure

Traditional group, level funded, and ICHRA, quoted against your actual roster rather than a generic example.

3

We Run the Enrollment

Forms, carrier submission, and employee questions all come to us. Your team ends up covered without you project-managing it.

$0

Broker
Fees

Why Moran

The Broker Who Works For You

Independent means we are not bound to one carrier or one product. Compensation is roughly comparable across the structures we quote, so we have no financial reason to steer you.

Renewal Support Every Year

We re-shop the market before your anniversary instead of letting an increase pass on autopilot.

A Real Person, Every Time

You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.

We Handle the Paperwork

Enrollment, renewals, claims questions. We stay with you long after the policy starts.

Plans for Every Budget

From basic MEC plans to full PPO coverage, we find the right fit for your business.

What You Get

What a Texas Group Plan Covers

Real medical coverage plus the supporting benefits that make a package competitive in Texas.

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Medical, Dental & Vision

Comprehensive coverage options from Texas's top carriers including Blue Cross Blue Shield TX, Cigna, Aetna, UnitedHealthcare, and more.

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Prescription Drug Coverage

Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.

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HMO, PPO & HDHP Plans

We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.

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Annual Renewal Support

We re-shop your plan every year at renewal to make sure you're still getting the best rate, always.

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Employee Onboarding Help

We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.

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Multi-State Teams Covered

Have employees across multiple states? We're licensed in 30+ states and can structure coverage for your entire workforce.

Three Ways to Cover Your Team

Traditional Group, Level Funded, or ICHRA

Most brokers only quote one of these. We run all three side by side and show you the math.

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Traditional Group Health

Fully insured plans from top Texas carriers. Fixed premiums, zero surprises, and the easiest plan for employees to understand.

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Level Funded Health Plans

Big-company economics for small teams. You pay a level monthly amount, and if your team has a healthy year, you can get money back at renewal. Often beats fully insured pricing for healthy groups.

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ICHRA (Individual Coverage HRA)

Set a tax-free monthly allowance and every employee picks the plan that fits them. You control the budget with no renewal shock, they get real choice. We handle setup and compliance.

Typical Requests

The Requests We Get Most Often in Texas

Representative scenarios rather than client testimonials, drawn from the kinds of groups we price most often.

14 employees · oilfield services

Rosters swing with contracts, so participation counts move month to month and a rigid plan design keeps breaking.

How we approach it: We quote every structure that could fit and explain the trade-off in each rather than leading with one product.

9 employees · software shop

Young team that would rather have take-home pay than a low deductible, and an owner who wants benefits to close senior hires.

How we approach it: We start by sorting who is actually eligible, then price the structures that survive that answer.

22 employees · regional trucking

Drivers spread across three rating areas, which turns network breadth into the deciding factor rather than premium.

How we approach it: We model the options side by side and tell you which one we would pick if it were our payroll.

Local Detail

What is different about buying coverage in Texas

The fixed features of the Texas market that every employer here works within.

Exchange

Texas uses the federal exchange, Healthcare.gov. There is no separate state exchange, and it lists only on-exchange plans, not the group or off-exchange market.

Medicaid

Texas has not expanded Medicaid and its adult eligibility is among the narrowest anywhere, so your plan is often the only realistic coverage your lower-wage employees will see.

Carriers competing here

The small group market in Texas includes Blue Cross Blue Shield of Texas, UnitedHealthcare, Aetna, and Cigna. We compare what is available to a group your size rather than leading with one carrier.

Where your rate comes from

Carriers file rates by rating area, which is why Houston, Dallas-Fort Worth, Austin, and San Antonio price differently for the same roster. Your local energy and oilfield services, construction, technology, and logistics employers see the same spread. Texas has more uninsured residents than any other state, much of it people who priced one unsubsidized option and stopped looking. Rating areas vary widely, so Houston, Dallas-Fort Worth, Austin, and El Paso each price the same roster differently.

FAQ

Common Questions

The questions we field most often from Texas employers.

Generally one eligible employee in addition to the owner. Every carrier in Texas must accept small groups of 1 to 50 regardless of health history, though most also require that most eligible employees enroll or waive with other coverage.

There is no broker fee. Compensation is built into the filed rates by the carriers themselves, which means using us costs your business nothing extra and never changes your premium.

Plan on one to two weeks from census to coverage. We can normally get you real quotes the same day you ask, and the rest is carrier processing and enrollment.

The carriers active in Texas's small group market include Blue Cross Blue Shield of Texas, UnitedHealthcare, Aetna, and Cigna. Texas is enormous and priced by rating area, so a quote built in Houston tells you very little about what the same roster costs in Lubbock or El Paso. We compare what is available to a group your size and present the options that fit, rather than leading with one carrier's product.

No Texas law requires it. Only the federal ACA employer mandate applies, and only to employers with 50 or more full-time equivalent employees. Texas has not expanded Medicaid and its adult eligibility is among the narrowest anywhere, so your plan is often the only realistic coverage your lower-wage employees will see.

Traditional group gives fixed, predictable cost with full guaranteed-issue protection. Level funded underwrites your group and can return part of a healthy claims year, which tends to reward younger teams. An ICHRA replaces the group plan with a defined tax-free allowance, and employees would buy those individual plans through Healthcare.gov or off-exchange. Texas has more uninsured residents than any other state, much of it people who priced one unsubsidized option and stopped looking. Rating areas vary widely, so Houston, Dallas-Fort Worth, Austin, and El Paso each price the same roster differently. We price all three against your census before recommending one.

Group Health Insurance for Your Texas Team.
Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

From First Call to Covered, in Three Moves

Tell Us About Your Team

We Price Every Structure

We Run the Enrollment

The Broker Who Works For You

Renewal Support Every Year

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

What a Texas Group Plan Covers

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Traditional Group, Level Funded, or ICHRA

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

The Requests We Get Most Often in Texas

What is different about buying coverage in Texas

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Texas Team.Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

From First Call to Covered, in Three Moves

Tell Us About Your Team

We Price Every Structure

We Run the Enrollment

The Broker Who Works For You

Renewal Support Every Year

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

What a Texas Group Plan Covers

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Traditional Group, Level Funded, or ICHRA

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

The Requests We Get Most Often in Texas

What is different about buying coverage in Texas

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Texas Team.
Plans for 1 to 50 Employees.