Group Health Insurance Solutions

Tailored coverage for businesses of all sizes - even as small as two employees in Texas.
Get the coverage you need to attract and retain employees.

Why Choose RF Insurance Masters?

Minimal Requirements: With a state filed proof of business, DBA or LLC, we can establish a small group with as few as two employees - in Texas, this can even be a spouse and spouse group.

Comprehensive Options: Choose from both HMO and PPO plans to find the perfect coverage for your company's unique needs.

Flexible Group Options: We offer both Fully Insured Groups and Level Funded Groups to provide the optimal financial structure for your business.

Personalized Services

Our Personalized Services

Personal Care Approach: We take time to review group options and verify the coverage that will work best for your company, ensuring you get exactly what you need.

Branded Enrollment System: Our personalized company-branded enrollment system gives your employees an easy way to review coverage options and cost per paycheck.

Ongoing Support: We make the process easy to get your coverage in place and assist you before, during, and after the group is installed.

Understanding Your Options

Fully Insured Plans

Predictable Premiums: Fixed monthly payments regardless of claim volume

Simplified Administration: Insurance carrier handles all claims processing

Regulatory Compliance: Automatically meets ACA and state requirements

Lower Risk: No financial exposure to high claims

Ideal For: Companies seeking simplicity and predictability

With fully insured plans, your business pays a fixed premium to the insurance carrier who assumes all financial risk for claims.

Level Funded Plans

Potential Savings: Opportunity for premium refunds when claims are lower than expected

Detailed Reporting: Access to claims data and utilization reports

Customization: More flexibility in plan design and benefits

Predictable Payments: Fixed monthly payments like fully insured plans

Ideal For: Healthier groups looking to maximize value

Level funded plans combine the predictability of fully insured plans with the potential savings of self-funding - offering the best of both worlds.

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Not Sure Which Option Is Right For You?

Our insurance professionals will analyze your company's specific needs and help you determine whether a Fully Insured or Level Funded plan will provide the best value for your business.

What We Need For Your Quote

Employee Census
Date of birth for all full-time employees
Sex of all full-time employees
Dependent information (dates of birth) if available

Business Information
Legal business name
Business address
Employer Identification Number (EIN)
Employee locations (Texas or other states)

Ready to Get Started?

You can upload your census information through our secure form below or contact us directly. Our team will work with you to find the best small group health insurance solution for your business.
All information provided is kept strictly confidential and used only for generating accurate insurance quotes.

What Our Clients Say

Sarah Johnson
Small Business Owner

RF Insurance Masters made setting up health insurance for our small business incredibly simple. Their personalized approach meant we got exactly the coverage we needed without any hassle

Michael & Lisa Rodriguez
Family Business

As a husband and wife business in Texas, we didn't think we'd qualify for group insurance. RF Insurance not only made it possible but found us excellent coverage at a great rate.

Enhance Your Benefits Package

Attract and retain top talent by offering a comprehensive benefits package. We offer a variety of ancillary products that can be added to your group health insurance plan.

Group Life Insurance

Provide financial security for your employees' families with affordable group life insurance coverage. Options available for different coverage levels to meet your budget.

Disability Insurance

Protect your employees' income with Short and Long Term Disability coverage, ensuring financial stability during periods of inability to work due to illness or injury.

Dental Insurance

Comprehensive dental plans covering preventive care, basic procedures, and major services. Help your employees maintain their oral health with regular check-ups and necessary treatments.

Vision Insurance

Cover eye exams, glasses, contacts, and more with affordable vision plans. Keep your employees seeing clearly with regular vision care coverage.

Accident Coverage

Provide additional financial protection for unexpected accidents. This coverage helps with out-of-pocket costs that health insurance may not fully cover.

Critical Illness Coverage

Offer financial support during treatment and recovery from serious conditions like cancer, heart attack, or stroke, helping employees focus on recovery rather than expenses.

Legal Shield

Give your employees access to legal consultation and services at affordable rates. Help them address legal matters from will preparation to contract reviews without the high attorney fees.

ID Shield

Protect your employees from identity theft with comprehensive monitoring and restoration services. Provide peace of mind in an increasingly digital world.

Hospital Indemnity Coverage

A Hospital Indemnity Plan pays fixed cash benefits directly to you when hospitalized, regardless of actual medical costs. These predetermined daily or lump-sum payments help cover deductibles, copays, and other expenses beyond what your regular health insurance covers.

Enhance Your Benefit

Customize Your Benefits Package

We'll work with you to design a comprehensive benefits package that meets your budget while providing valuable coverage options for your employees. Mix and match the products that best suit your company's needs.

Ready to Explore Your Group Health Insurance Options?

There's no extra cost to leverage an agent/broker to assist you. Let our expertise work for your business.

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