Question 1

How much can my San Marcos business save on group health insurance?

Accepted Answer

Most San Marcos, Kyle, and Buda area businesses save $300-$500 per employee monthly compared to individual plans. The exact savings depend on your employee count, industry, and current coverage. I provide 3+ custom proposals from carriers like Blue Cross Blue Shield, United Healthcare, and Allstate so you can see exact costs. Many businesses also qualify for tax credits up to $16,500 for new retirement plans.

Question 2

What size businesses do you work with in Texas?

Accepted Answer

I specialize in small businesses with 1-50 employees in the San Marcos, Kyle, and Buda areas. Whether you're a startup with just a few employees or a growing company, I can design benefits packages that fit your budget and help with employee retention. Even businesses with just 1 employee can access group-like rates through association health plans.

Question 3

How long does it take to set up group health insurance?

Accepted Answer

My 4-meeting process typically takes 2-3 weeks from initial discovery to implementation. Meeting 1 (30-45 min): understanding your needs. Meeting 2 (45-60 min): education on options and tax advantages. Meeting 3 (60 min): reviewing 3+ custom proposals. Meeting 4: implementation and ongoing support. I handle all paperwork, employee enrollment, and carrier coordination, so there's minimal work on your end.

Question 4

What types of retirement plans are available for small businesses?

Accepted Answer

I offer 401(k), SEP IRA, and SIMPLE IRA plans tailored to your business size and goals. New retirement plans may qualify for tax credits up to $16,500. These plans are powerful employee retention tools and provide significant tax advantages for both you and your employees. I'll explain all options during our education session so you understand exactly how each works.

Question 5

Do I need to offer benefits if I only have a few employees?

Accepted Answer

While Texas doesn't require businesses under 50 employees to offer health insurance, providing benefits helps you attract and retain quality talent. Many San Marcos businesses compete for the same skilled workers, and offering competitive benefits gives you an edge. Plus, with tax credits and group purchasing power, it's often more affordable than you'd expect. I can show you options for every budget, including voluntary benefits at no cost to you.

Question 6

What makes your service different from other insurance brokers?

Accepted Answer

As a U.S. Army veteran (2012-2020), I bring military precision and commitment to service. Unlike brokers who rush to close deals, I use a 4-meeting education-first process to ensure you understand every option. I'm available 24/7 - I've met with clients at 9pm because your needs don't follow business hours. You get honest guidance even if I can't provide the perfect solution. Most importantly, there's no cost to you - carriers pay my commission, so you get expert advice and ongoing support at no charge.

Question 7

Can you help businesses in Kyle and Buda, or just San Marcos?

Accepted Answer

I serve all businesses in the San Marcos, Kyle, Buda, and greater Austin area. I'm licensed in Texas, California, and Nevada, so I can also help if you have employees in multiple states. My office is centrally located to serve the I-35 corridor, and I'm happy to meet at your location or virtually - whatever works best for you.

Question 8

What carriers do you work with for group health insurance?

Accepted Answer

I work with all major carriers including Blue Cross Blue Shield, United Healthcare, Cigna, Aetna, and others. Being an independent broker means I'm not tied to one company - I shop multiple carriers to find the best combination of coverage, network, and price for your specific needs. You'll receive 3+ proposals to compare side-by-side.

Question 9

What are Health Reimbursement Arrangements (HRAs)?

Accepted Answer

HRAs are tax-advantaged arrangements where you reimburse employees for medical expenses and individual health insurance premiums. They're particularly useful for businesses that want to provide health benefits but find traditional group plans too expensive. HRAs can save significant money while still offering valuable benefits. I'll explain if this strategy fits your situation during our consultation.

Question 10

Do you offer support after we sign up?

Accepted Answer

Absolutely. Unlike many brokers who disappear after the sale, I provide 24/7 ongoing support. Whether you need help with claims, employee questions, plan changes, or annual renewals, I'm here. I also proactively review your plans each year to ensure you're still getting the best value as your business grows and the market changes.

Question 11

What is the cost to use your services?

Accepted Answer

There is no cost to you. Insurance carriers pay my commission, so you get expert guidance, multiple proposals, enrollment support, and ongoing 24/7 service at no charge. In fact, my education-first approach often saves businesses thousands by avoiding costly mistakes and identifying tax credits they didn't know existed.

Question 12

Can I offer different benefits to different employees?

Accepted Answer

Yes, within certain compliance guidelines. You can offer voluntary benefits (like supplemental life or disability) that employees pay for themselves. You can also structure contributions differently for different classes of employees, such as full-time vs part-time. I'll help design a compliant benefits structure that works for your business model and budget.

Small Business Benefits That Actually Work

Complete Benefits Solutions for Growing Businesses

My 4-Meeting Process Ensures Perfect Solutions

Discovery Meeting

Education Session

Custom Proposals

Implementation

Why This Process Works

From Serving Country to Serving Community

Military Precision

Personal Service

Community Focus

Nicholas Leija

Professional Credentials

Real Results for Local Businesses

Sarah Martinez

Robert Johnson

Lisa Chen

Proudly Serving San Marcos, Kyle & Buda

San Marcos

Kyle

Buda

Frequently Asked Questions

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