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Some little employers in Texas offer medical insurance to their staff members. Texas insurance coverage law specifies a small employer as a business with two to 50 workers, no matter how lots of hours the staff members work. If you provide medical insurance, you need to use it to all your staff members who work 30 hours or more every week.

Entrepreneur can enlist in their small-employer health plan if at least one of their workers also registers. You should offer new workers a minimum of 31 days from their start date to register in your health insurance. If they do not enlist during this duration, you can need them to wait on the next open enrollment duration to join.

You can need workers to wait as much as 90 days after they enlist in the health strategy for their coverage to begin. The insurer may not charge a premium throughout this duration. Find out more: How to go shopping smart for insurance coverage The law doesn't require you to pay a staff member's health insurance premiums.

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You may pay a higher percentage if you want to. Insurer might raise premiums because of changes in healthcare expenses, the age of your employees, or staff member tobacco usage. They can't raise premiums since of your staff members' health, though. Federal law needs small-employer plans to cover 10 kinds of healthcare services, called important health advantages.

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Texas likewise needs some plans to include certain benefits. Find out more on our Mandated health advantages page. Insurer can't deny or restrict coverage to staff members with preexisting conditions. Most employee health plans will not spend for work-related injuries or diseases. For  This Site , you'll need a separate employees' compensation insurance plan.

It will not pay for non-work-related injuries and diseases or for routine health care. Texas law doesn't need you to have employees' compensation insurance coverage. But if you have it, you'll be legally secured from some claims and damage awards. To learn more, read our Workers' payment insurance guide. Find out more: Workers' payment insurance coverage guide.

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Many insurance provider require a minimum of 75% of your full-time workers to participate in your health insurance. Staff members who have other health protection do not count toward your participation percentage. You can buy protection whenever throughout the year. But if you do not fulfill the 75% involvement requirement, an insurance coverage company can make you wait until the open enrollment duration to purchase protection.