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Texas

Texas Small Business Health Insurance

Different Texas health insurance laws apply to health insurance for small businesses and the self-employed. Often these types of health insurance policies are easier to qualify for than an individual health insurance policy, especially if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in Texas

  • Briefly explains self-employed Texas health insurance

  • Alerts you to a beneficial tax deduction

We also have a guide to Texas health insurance for families and individuals.


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Texas small business health insurance regulations

According to Texas health insurance laws, small group health insurance must be sold to any small business who requests it. In addition, a small business with 2 to 50 employees must be offered the same Texas small business health insurance policy the insurance company sells to other small businesses.

Texas health insurance companies can impose two requirements on small businesses wanting to buy health insurance.

First, health insurance companies may impose a minimum enrollment requirement for Texas small business health insurance. If the insurance company implements this rule, a certain percentage of employees must purchase health insurance through the group's policy or the policy will be rescinded.

Also, insurance companies can make it mandatory for the employer to pay a portion of each employee's premiums under a Texas small business health insurance policy. Without this guarantee from the employer, the health insurance company can refuse to sell your businness health coverage.

Besides regulating who is eligible for Texas small business health insurance, Texas health insurance laws don't extend much farther. Even though the degree to which your premiums can increase is regulated somewhat by the state, premiums can still increase due to the group's health status and risk.

Finally, Texas health insurance companies cannot cancel any Texas small business health insurance policy because an employee becomes ill.

Self-employed Texas health insurance

The approach different states take to the issue of how to treat health insurance for the self-employed varies. In Texas, the self employed are prohibited from purchasing a small group health insurance policy if there are no other employees.

Being a self-employed individual buying Texas health insurance can be quite costly. However, there is relief from this cost through an itemized tax deduction. A percentage of your annual Texas health insurance premiums can be deducted from taxes if you are self-employed and buying your own health insurance.

More TX small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about TX group health insurance laws and regulations, visit the official website of the Texas Department of Insurance.





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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.