Strategic Health Insurance Built for Texas Businesses with 50 to 300 Employees
Predictable renewals. Crews who stay. A back office that runs benefits like a company twice your size. We build health plans around the company you are becoming, not just the rates you are trying to escape.
HUB International
Picture Your Company Twelve Months From Now
Renewals You See Coming
You walk into renewal season already knowing your number, because you shaped it months ago through year-round claims strategy. Compare that to the broker who appears two weeks before renewal holding a 15% increase and no plan to prevent the next one.
A Benefits Department Without the Headcount
Your office manager is back to running your business. Your employees know exactly who to call with a claims question, and it is not you. That is what it feels like when a dedicated benefits team operates as an extension of your company, instead of your staff fighting claims, ERISA rules, and open enrollment alone.
The Employer Your Industry Talks About
In construction, manufacturing, logistics, and field services, coverage that genuinely protects families is how you become the company skilled people join and stay with. Retention stops being a fight and becomes a reputation.
You Don't Need Another Insurance Seller. You Need a Health Strategy.
Start with the destination. A company where leadership never touches a benefits issue. Where the funding structure matches how your business actually operates. Where compliance is handled before you knew it was due. Where your health plan is a reason people join your company instead of a line item you dread.
Most brokers cannot take you there, because they only sell the ride: a list of carrier quotes once a year, the least painful rate hike, and silence until next renewal. I operate as your fractional benefits executive. As Executive Vice President of HUB International's Texas SMB Division, I bring big-company strategic leverage directly to growing Texas businesses. My team analyzes claims risk, restructures funding models including level-funded and self-funded options, enforces compliance, and handles your employees' claims issues, all in service of the company you are building.
How We Build It, Year-Round
Strategic Cost Containment
A renewal you control. Deep claims and market analysis uncovers level-funded structures and cost-containment strategies traditional brokers overlook, so your renewal becomes a number you planned for, not a number that happens to you.
Back-Office Administrative Relief
A back office that stays yours. My dedicated team acts as an extension of your company, handling enrollment, carrier issues, and daily claims questions so your staff runs your business instead of your benefits.
Regulatory and Compliance Shield
Compliance handled before it finds you. Texas and federal mandates, ACA reporting, and ERISA requirements managed year-round, without outside legal fees and without surprises.
Field-Tested Workforce Packages
Benefits your crews talk about. Coverage designed for physically demanding work, built to attract, protect, and keep the skilled people your reputation depends on.
Start With a 15-Minute Benefits Strategy Session
No sales pitch. In fifteen minutes we will map where your plan is today and what it takes to get to predictable renewals, protected crews, and a back office that runs itself. You leave with a clear picture either way. The only cost is staying where you are.
Strategies Texas Employers Are Building On
From 22 to 300 Employees: How a Texas Oil Field Services Company Built Benefits That Fueled Its Growth
The full build behind the story above: surgical plan design, real choice, and a calendar timed to cash flow.
Cost Control & Funding ModelsHow Texas Companies with 50–300 Employees Cut Health Insurance Costs by 15%+ Using Level-Funded Plans
How level-funded plans work, where the 15%+ savings actually come from, and how your renewal becomes a number you plan instead of one that happens to you.
Blue-Collar Industry SolutionsDesigning Competitive Health Benefits for Labor-Intensive Industries
Coverage built for construction, manufacturing, logistics, and field services—benefits designed for physically demanding work that become the reason skilled people join and stay.
ComplianceNavigating the 50-Employee Threshold: Healthcare Compliance for Growing Texas Employers
What changes when you cross 50 full-time employees—ALE status, the employer mandate, and ACA reporting—and what prepared employers have in place before the threshold arrives.
HR-Light OperationsHow to Run Group Health Open Enrollment Without a Dedicated HR Department
The system that replaces a benefits team: self-service elections, automated deadlines, and a payroll handoff that keeps your office manager off the spreadsheet.
ComplianceACA Affordability Safe Harbors: How Texas Employers Stay Compliant Without Overpaying for Coverage
How the three ACA safe harbors let a growing Texas employer price coverage with certainty, and keep the annual 1095-C season a formality instead of a scramble.