Large Business
Large Business health insurance — Texas.
Large group health insurance covers Texas employers with 50+ full-time-equivalent employees, who are subject to the ACA employer mandate. We design competitive benefit packages, evaluate fully-insured vs. level-funded vs. self-funded structures, manage broker-of-record changes, and handle the compliance burden — ACA 1095 reporting, COBRA, and annual renewal negotiations.
Who this fits
- Texas employers with 50+ FTEs (ACA mandate)
- Companies considering self-funded or level-funded structures
- HR leaders frustrated with their current broker
- Multi-state employers headquartered in Texas
i. What you get
How large business works with us.
Real benefits, not generic talking points. Here’s what you actually get when you work with Harrison Health.
Funding-structure analysis
Fully-insured, level-funded, and self-funded each have different cash-flow and risk implications. We model all three for your group.
Competitive RFP process
We run a structured RFP across the major Texas large-group carriers and reinsurance markets — typically 3–7% renewal savings.
Broker-of-record transition
If you're stuck with an unresponsive broker, we manage the transition cleanly — no coverage disruption, no renewal pause.
ACA & ERISA compliance
1095-C reporting, ERISA notices, Section 125 plan documents, COBRA administration — handled.
ii. FAQ
Frequently asked.
- What's the difference between fully-insured and level-funded health insurance?
- Fully-insured: you pay a fixed monthly premium, the carrier takes the risk. Level-funded: you pay a fixed amount that includes claims fund + admin + stop-loss insurance — and get a refund if claims come in low. Self-funded: you pay actual claims plus admin and reinsurance. Level-funded is the sweet spot for many 50–200 employee Texas groups.
- When should I switch brokers?
- If your broker isn't running an annual RFP, isn't proactively bringing alternatives at renewal, or isn't responsive when employees have claim issues — that's the signal. We make broker-of-record changes painless.
- Do you handle multi-state employer groups?
- Yes — we coordinate Texas as the home state with carrier networks that extend across the U.S. for remote and traveling employees.
- What's included in your service for large groups?
- Annual renewal RFP, mid-year claims monitoring, employee onboarding & open enrollment support, COBRA admin, ACA 1095 reporting, ERISA wrap documents, Section 125 cafeteria plan setup, and ongoing employee escalations.
Next step
Get your free quote in three minutes.
A licensed Texas advisor reviews your situation and brings back two or three plans that fit. No pressure, no spam, no cost.