Excellent group benefits aren't just for big companies
For over 30 years, I've helped small Texas companies build employee benefit packages that attract great people, protect their families, and fit the budget. Let's build yours.
Three decades helping Texas employers get benefits right
I've spent more than 30 years helping individuals and small businesses navigate health insurance, life insurance, and long-term care. Group benefits can feel complicated — carrier options, funding types, networks, renewals. My job is to make it simple, so you can offer your employees coverage you're proud of without overpaying for it.
What you get with Hankins Insurance Services
- Independent guidance across multiple top carriers
- Plans tailored to your employees and your budget
- Side-by-side comparisons of fully insured and level-funded options
- Support at enrollment, renewal, and every day in between
- A real person who answers the phone
Yes — small companies can offer great group coverage
Many owners assume group health insurance is out of reach for a small team. It isn't. With the right carrier and the right funding approach, even companies with just a handful of employees can offer competitive benefits.
Attract & keep great employees
Health benefits are one of the top reasons people choose — and stay with — an employer. A solid package helps your small company compete with the big ones for talent.
Options for every budget
From traditional fully insured plans to newer level-funded programs that can reward healthy groups with lower costs, there's a fit for nearly every company.
Tailored to your team
Every group is different. I work with you to shape coverage, networks, and contribution strategies that serve both your employees and your bottom line.
Top-rated carriers, two ways to fund your plan
As an independent agent, I represent leading national carriers — so recommendations are based on what fits your group, not a single company's product line.
Fully Insured Plans
Traditional group coverage with predictable, fixed monthly premiums
- Blue Cross & Blue Shield of Texas
- UnitedHealthcare
Level-Funded Plans
A newer approach that can lower costs for healthy groups — with potential money back at year end
- Blue Cross & Blue Shield
- UnitedHealthcare
- Aetna
- Sana Benefits
- Nationwide
Not sure which is right for you? Fully insured plans offer maximum predictability; level-funded plans can offer meaningful savings for the right group. I'll run the numbers both ways and show you a clear comparison — no obligation.
Coverage tailored to help employees and employers
A benefits package should work in both directions — meaningful protection for your people, and manageable, predictable costs for your business.
1. Understand your group
We start with your team — size, needs, locations, budget, and what matters most to your employees.
2. Shop the market
I gather quotes across my carriers, comparing fully insured and level-funded options side by side.
3. Tailor the plan
Networks, deductibles, contribution strategies, and add-ons like life and long-term care — shaped to fit your group.
4. Support year-round
From enrollment through renewal, I'm your point of contact — not a call center.
Let's talk about your group's benefits
A quick call is all it takes to find out what excellent group coverage could look like for your company — and what it would cost.
713-498-6800