Texas Employee Benefits Broker

We help employers across Texas build a benefits package their team values, at a cost the business can plan around, with hands-on support from quote to renewal.

Your benefits options
Texas employers
What we compare
Level-funded health plans
ICHRA
Fully insured group plans
Ancillary benefits
BB
Your dedicated team
Support all year, not just at renewal

Benefits guidance for Texas employers

Bespoke Benefits is an independent employee benefits brokerage that works with small and mid-sized employers across Texas. Whether your team is in Dallas, Houston, Austin or San Antonio, we help you find real options beyond whatever your carrier sends over at renewal.

We're headquartered in Greenville, South Carolina and serve employers nationwide. Distance doesn't change the service: you get a dedicated team, quick answers and a clear plan for every renewal.

Our approach is simple: understand your business first, then shop the market for the plan design that fits, not the other way around.

Benefits solutions for Texas employers

Level-funded health plans

Level funding gives employers many of the advantages of self-funding with a predictable monthly payment. If your group's claims come in lower than expected, you may get money back at the end of the plan year. For many Texas businesses with healthy groups, it's the most effective way to control health costs.

ICHRA (Individual Coverage HRA)

With an ICHRA, you give employees a set, tax-free monthly allowance, and they choose an individual plan that fits them. It's a strong fit for employers with teams spread across Texas or in several states. Plan choices depend on what's available in each employee's local individual market, and we help you see that before you commit.

Fully insured group plans

Traditional group coverage still makes sense for some employers. We compare fully insured options alongside alternative funding so you can see the full picture, side by side.

Ancillary benefits

Dental, vision, life, disability and other voluntary benefits round out a competitive package. They're often the easiest way to make your benefits stand out to candidates without a big jump in cost.

Why employers work with Bespoke

Deep level-funding expertise. Alternative funding is our specialty, not a side offering. We know how to tell whether your group is a good candidate before you spend time on it.
We shop the market. As an independent broker, we compare options across carriers and funding models instead of renewing whatever lands on your desk.
Support after the sale. Our support team handles the day-to-day questions from you and your employees, all year, not just at renewal.
One team, wherever you are. We're headquartered in South Carolina and give Texas employers the same hands-on support as the clients down the street.

Frequently asked questions

Do you work with Texas businesses?

Yes. We're headquartered in South Carolina and serve employers nationwide, including across Texas. Most of our work happens by phone, video and email, so location doesn't slow anything down.

Are level-funded plans available to small businesses in Texas?

Yes, for many groups. Eligibility and pricing depend on your group's size and health. We can usually tell you quickly whether level funding is worth exploring.

How does an ICHRA work for Texas employers?

You set a monthly allowance for each class of employee, and employees use it to buy an individual health plan. Reimbursements are tax-free when the plan is set up correctly. We help with plan design, setup and employee enrollment.

When should we start planning for our renewal?

Ideally 90 to 120 days before your renewal date. That leaves time to collect quotes, compare funding options and communicate changes to employees.

What benefits besides health insurance can you help with?

Dental, vision, life, short- and long-term disability, and other voluntary benefits.

Let's find a better benefits plan for your team

Whether your renewal is next month or next year, a short conversation will show you what options you have. No pressure, just a clear picture.

Thanks — we’ll be in touch within one business day.
Something went wrong. Please call us at 864-940-4245.

Prefer to talk? Call (855) 589-8699