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Group Health Insurance
Plans for Small Businesses

Affordable Health Care Coverage For You And Your Team

Our employer-sponsored group health insurance plans allow you to cover all your employees and their family members.


Looking for group insurance plans for your small business in Texas? BCBSTX offers flexible small-group health insurance plans to fit your budget and your employee’s needs. Our plans give members access to a large network of providers and comprehensive coverage.

Comprehensive Group Health Insurance for Small Businesses in Texas

All of BCBSTX’s small business health plan options include comprehensive coverage under the Affordable Care Act leaving site (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

Choosing the Right Health Plan Tier for Your Employees

Regarding health plans, "metal" tiers easily identify how costs are split between the insurance company and the insured. The tiers will help you find the right medical plan for you and your employees.

Platinum
Plan Pays: 90%
 10%
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.

Gold
Plan Pays: 80%
20%
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.

Silver
Plan Pays: 70%
30%
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.

Bronze
Plan Pays: 60%
40%
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.

Get Your Quote Today Leaving Site

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


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

HMO


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 2024 Plan Details PDF

PPO

2-50 Employees

The PPO network 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.

Network

Broad

Coverage

Statewide

Medical Group
Selection Required

No

Referral Required

No

Out-of-Network
Coverage

Yes


Blue OptionsSM

2-50 Employees

Blue Options helps you control your care and expenses with lower out-of-pocket costs for in-network doctors and hospitals, and the choice to use providers in the larger PPO network at a higher cost.

Network

Tiered

Coverage

Tier 1 - Statewide
Tier 2 - Statewide

Medical Group
Selection Required

No

Referral Required

No

Out-of-Network
Coverage

Yes


Blue Choice
Preferred PPOSM

2-50 Employees

Blue Choice Preferred PPO is a comprehensive PPO network of doctors and hospitals with higher monthly premium and often lower out-of-pocket costs.

Network

Broad

Coverage

Statewide

Medical Group
Selection Required

No

Referral Required

No

Out-of-Network
Coverage

Yes


Blue Precision HMOSM

2-50 Employees

BCBSTX Blue Precision HMO is a smart network that covers 100% of employee health care costs so your employees will only need to cover copays for medical services in most cases.

Network

Smart

Coverage

Chicago, Peoria,
and partial
Rockford rating
areas

Medical Group
Selection Required

Yes

Referral Required

Yes

Out-of-Network
Coverage

No

*Metallic-level availability varies by plan and network.

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.

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.

Healthier Employees. Healthier Business.

Ready to see your options?

Get Your Quote Today Leaving Site or
Phone

Get in Touch by Phone
1-833-923-1785