Group Health
Group Health Renewal in Katy, TX: Year-End Guide for Small Businesses
Published October 3, 2026 · By Joseph Stevens
Quick answerBefore a group health renewal, Katy employers should compare the renewal offer against alternatives, review how much they contribute, check participation, and consider whether an ICHRA would give more predictable costs. Start 60–90 days before your renewal date so there's time to compare and communicate changes to employees.
Start early
Renewal notices often arrive only weeks before the effective date. Starting 60–90 days ahead gives you time to shop the market, adjust plan design and explain changes to your team.
What to review
- How the renewal compares to other carriers and plan designs
- Your contribution amount and whether it still fits your budget
- Employee participation and any waivers
- Whether your team's doctors are still in network
- Add-ons like dental, vision and life
When ICHRA might make more sense
If your team lives across Harris, Fort Bend and Waller counties, or you want a fixed monthly cost, an ICHRA lets each employee choose their own plan with a tax-free allowance you set.
Review your options at txinsurance.com/locations/katy-group-health or call 281-747-9800.
FAQs
Do we have to renew in January?
No. Small group plans renew on their own anniversary date, which can be any month.
Can we switch from group to ICHRA?
Yes, typically at your renewal. Employees then pick individual plans, so timing with open enrollment or a special enrollment window matters.
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