Small Business Health Insurance in Katy, TX: Group Plans for 2–100+ Employees

Your main options as a Katy employer

• Traditional small group — one plan (or a small menu) for the team; simplest to administer
• Level-funded — for larger groups; blends predictable monthly payments with potential savings in low-claim years
• ICHRA — you set a monthly allowance; each employee buys their own ACA plan and gets reimbursed tax-free
• Spouse groups and other special setups for very small or family-run businesses

Why Katy businesses are looking at ICHRA

Katy employers often have workers spread across Harris, Fort Bend and Waller counties — and into Houston. A single group network doesn't always fit everyone. With an ICHRA, each employee picks a plan that works in their own ZIP code, and the employer keeps a fixed, predictable monthly cost.

What affects your cost

• Group size and employee ages
• How much of the premium the employer covers (many carriers expect at least 50% for employees)
• Participation — traditional group plans generally need most eligible employees to enroll
• Plan design — deductibles, network breadth, and whether you add dental, vision or life

How we help Katy employers

We're headquartered in Katy and work with businesses across the Energy Corridor, Fulshear and the Grand Parkway corridor. We spreadsheet your options — traditional group vs level-funded vs ICHRA — against your actual employee census, then handle enrollment and renewals.