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Affordable Health Care Coverage For You And Your Team

Our small business health insurance plans allow you to cover all your employees and their family members.

Blue Cross and Blue Shield of Texas (BCBSTX) has the flexibility and choice that growing companies need. BCBSTX provides Texas small business employers with a variety of health care plan options that include access to a large network of providers and comprehensive benefits to fit your employees’ needs and your organization’s budget.

Learn More About BCBSTX's Health Insurance Options for Small Business

Explore the different metal tiers to find a health plan that fits your budget and the healthcare needs of your employees. Each tier offers a different level of coverage, making it easier to choose the right plan for your budget.

Plan Pays: 90%
You Pay:

Platinum plans are the most expensive plans from a premium perspective because they are also considered the richest. Insurance carriers typically cover approximately 90% of the cost of covered services.

Plan Pays: 80%
You Pay:

In Gold plans, the insurance carrier typically covers about 80% of the cost of services, which results in higher premiums than the Bronze and Silver plans.

Plan Pays: 70%
You Pay:

Silver plan monthly premiums are more than Bronze plans, but the out-of-pocket costs for services are lower with the insurance carrier covering around 70% of the cost of services.

Plan Pays: 60%
You Pay:

Bronze plans have the lowest monthly premiums, but highest out-of-pocket costs. Typically the insurance carrier will cover 60% of the cost of services.

Plan options within each metal tier include Participating Provider Option (PPO) and Health Maintenance Organization (HMO) choices. Learn more about the differences between these options:


PPO plans allow members more flexibility than an HMO to see specialists. Members can choose a primary care physician (PCP).


Members in HMO plans choose a primary care physician (PCP) who coordinates the patient's care. To see specialists, members need a referral from their PCP.

Network Offerings

Our plan offerings leverage different networks of providers in order to create plan options that fit any small business budget*.

See Our 2023 Plan Details PDF

Blue Choice PPOSM

2-50 Employees

Blue Choice PPO gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose, with benefits paid at a higher level when the doctor is within the network.





Medical Group
Selection Required


Referral Required




BlueAdvantage HMOSM

2-50 Employees

This cost-effective health plan is designed to provide affordable quality health care services to the uninsured and underinsured whenever they access care through a participating Blue Advantage HMO network provider.





Medical Group
Selection Required


Referral Required



No, with the exception
of emergency or

*Metallic-level availability varies by plan and network.

Essential Health Coverage For Your Employees

All of BCBSTX’s small business health plan options include comprehensive coverage under the Affordable Care Act (ACA), including:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Prescription drugs
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including dental and vision

More Access to Health Care

Blue Cross and Blue Shield of Texas plans give you and your employees more access to care with in-network Telehealth visits at the same cost as an in-office visit.

$0 Preventive Drugs on Health Savings Account (HSA) Plans

Select an HSA plan for you and your employees that features $0 copay for some preventive drugs. HSA plans help employees stick to their treatment regimen and better manage their health conditions.

Health Savings Account Copays

Specific HSA-compatible plans have copays after the deductible is met for office visits with a primary care physician and specialist. Plus, pharmacy benefit copays.

Dental Insurance Plans

Our small business dental plans include a wide network of providers to help you and your employees receive the right care.1

2023 Contributory Dental Plans Adobe Acrobat

Contributory dental plans include minimum contribution requirements from employers.

2023 Voluntary Dental Plans Adobe Acrobat

Voluntary dental plans do not include minimum contribution requirements from employers.

Frequently Asked Questions

HMO (Health Maintenance Organization) plans typically require members to select a primary care physician (PCP) to coordinate care within the network. In order to see a specialist, members may need a referral from their PCP. Having care coordinated by a PCP may result in lower overall costs for the member. PPO (Participating Provider Option) plans do not require members to select a primary care physician, and in most cases, members can go to any provider within the network without a referral. This increase in flexibility may result in a higher overall cost for the member. Learn more about how insurance works.

The cost of health insurance for your small business will depend on the type of plan you choose as well as your contribution strategy. Most states require a minimum contribution for group coverage.

If you purchase group coverage between November 1 and December 15 for a January 1 or January 15 effective date, your contribution requirements are waived.

Get a better understanding of the different factors that can affect the cost of your small business health plan.

Generally, the higher a plan’s deductible, the lower its premium. Plans with higher deductibles have lower monthly costs but may make expenses less predictable if medical bills accumulate suddenly. If you choose a plan with a lower deductible, it will generally have a higher premium. Plans with lower deductibles allow employees to better control unpredictable costs when they need their insurance.

Healthier Employees. Healthier Business.

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