Before subsidies, the benchmark silver plan for a 40-year-old in El Paso County cost about $594 a month for 2026, and the Texas average for 2027 is $737 a month. Premium tax credits bring that down for many households, depending on income and family size. 7 insurers offered marketplace plans in El Paso County for 2026.
Employee benefits brokers in the El Paso area help businesses of 1 to 50 employees choose group plans, handle renewals and answer employee questions. The 8 firms below are closest to El Paso, TX.
Small Business & Group Health Insurance Brokers near El Paso
Licensed agents can compare plans available in El Paso County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in El Paso
- University Medical Center of El Paso, the El Paso County Hospital District's not-for-profit teaching hospital for Texas Tech's Paul L. Foster School of Medicine and the region's only Level 1 trauma center, is a network worth checking before you pick an El Paso plan; the district also includes El Paso Children's Hospital and UMC outpatient clinics. Source
- The City of El Paso Department of Public Health handles local public health, including immunizations, TB control, STD/HIV prevention, WIC, food inspections and a dental clinic, with some programs reaching across El Paso County. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Options for small employers
Traditional small-group plans, level-funded plans, ICHRAs (employees buy individual plans with tax-free employer money) and QSEHRAs for businesses under 50 employees.
Do I need a minimum number of employees?
Small-group rules vary by carrier and state. Many carriers write group plans for businesses with as few as one or two employees besides the owner; a broker can tell you what's available in Texas.
Self-employed with no employees?
Group plans usually need at least one non-owner employee. Solo owners typically buy individual coverage, often with a premium tax credit.
Frequently asked questions
How much does small business health insurance cost in Texas?
Premiums depend on employee ages, location, plan design and how much the employer contributes. A benefits broker can quote several carriers and funding options side by side.
What is an ICHRA?
An individual coverage HRA lets an employer give employees tax-free money to buy their own individual health plans. It works for businesses of any size.
Do benefits brokers charge employers?
Most are paid commissions by the insurer. Some charge consulting fees for larger groups or extra services; ask before you sign.
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