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Insights

The questions Texas employers actually ask us, answered properly — no brochure language and nothing behind a form.

August 11, 2026 · 9 min read

Level Funded vs Fully Insured Health Plans

Three funding models, one decision that quietly sets what your group health plan costs for the next several years. Here is the plain-language version, without the brochure language.

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August 11, 2026 · 10 min read

Medicare Plan F vs Plan G vs Plan N

Three Medigap plans cover almost the same things, differ by a few hundred dollars a year, and are constantly confused for one another. Here is what actually separates them — and which one you can still buy.

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August 12, 2026 · 9 min read

Short Term Disability in Texas

Texas is not one of the states with a government short-term disability program. That single fact changes where your income protection has to come from — and most Texans only discover it the week they need to file.

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September 15, 2026 · 8 min read

What Is a TPA? Third-Party Administrators Explained

If you have looked into level funding or self funding, you have run into the term TPA without anyone quite explaining what the company behind the initials actually does. Here is the plain version.

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September 15, 2026 · 8 min read

The Medigap Open Enrollment Period Explained

Six months. That is the entire window in which Texas law guarantees you can buy any Medicare Supplement plan regardless of your health. Here is when it starts, what it protects, and the mistakes that cost people the protection.

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September 24, 2026 · 7 min read

The Small Group Participation Holiday

Most small group health plans need three out of four eligible employees to sign up. For one month every year, federal law says that rule cannot keep you out. Here is how the window works, and how to use it properly.

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