Simplified Health Insurance Solutions for Texas Nonprofits

Empowering Your Organization with Affordable and Comprehensive Coverage

Comprehensive Coverage

Enjoy peace of mind with health plans that cover a wide range of medical services, ensuring your team has access to the care they need, whenever they need it.

Cost-Effective Solutions

Find affordable health insurance options tailored to your nonprofit’s budget, helping you manage costs while providing valuable benefits to your employees.

Flexible Plan Options

Choose from a variety of health insurance plans designed to meet the unique needs of your organization and its employees, offering flexibility and personalized care.

Health Plans for Non-Profits

Your Solution to Affordable Health Insurance in Texas

Navigating health insurance is already a headache. Throw in over 60 hours of research and administration, and you’ve got yourself a Herculean task. It’s not like nonprofit admins have spare time to become health insurance pros on top of everything else.

Yet, access to employee health insurance is a big deal. Texas alone is home to 150,000 nonprofits. (Everything IS bigger in Texas.) And the vast majority of these organizations have fewer than 25 employees.

So, what’s on the table for smaller-sized nonprofits looking to provide health insurance?

Access to employee health insurance is a big deal.
Texas alone is home to 150,000 nonprofits.
Everything IS bigger in Texas.
The vast majority of these organizations have fewer than 25 employees.
So, what's on the table for smaller-sized nonprofits looking to provide health insurance?

Why Choose Health Plans for Non-Profits?

As part of the Plans for Life family, Health Plans for Non-Profits is dedicated to simplifying the process of finding and managing health insurance. We understand the unique challenges faced by smaller nonprofits, and we offer tailored solutions to meet your needs.

Satisfied Customers

Bright Future Foundation has transformed our community. Their programs for underprivileged youth are impactful and their staff is truly dedicated. We're grateful for their support.

Bright Future Foundation

Green Earth Initiative leads in environmental conservation. Their sustainable projects and community efforts have greatly improved our local parks. Highly recommend!

Green Earth Initiative

Fully-Insured Group Health Insurance Plan

For many decades, small organizations (nonprofit and for-profit small business), have leaned towards fully-insured plans. In this setup, the employer generally works with a broker to find a group health plan and then pays a fixed premium to the insurance company, which then handles all the claims from enrolled employees.

Level-Funded Group Health Insurance Plan

Level-funded plans work like traditional fully-insured health insurance plans, but part of the premiums go into a claims fund to cover health expenses for employees. If there’s money left over at the end of the policy term, it could get credited back to the employer, offering potential savings.

Extra Cash in the Paycheck

Some nonprofits opt to give extra cash to employees via their paychecks instead of providing a group health plan. While well-meaning, this option often doesn’t translate into the intended value.

What About the Cost: Small Group vs. Individual Marketplace Insurance

How Smaller Nonprofits Are Left Out

Smaller nonprofits, especially those with fewer than 20 employees, struggle to find affordable and comprehensive health options. Competing with larger organizations offering better benefits, along with a 400% increase in health insurance costs over the last decade, makes it nearly impossible to keep up.

This challenge is likely why only about 18% of nonprofits manage to offer a group health benefit.

Tailored Health Plans for Nonprofit Employees

Protecting Your Team's Health, Enhancing Your Mission

The Importance of Offering Health Insurance

As the U.S. job market tightens, nonprofits seeking to hire the best and brightest candidates face greater challenges. Offering health insurance benefits to employees has become a powerful lure.

Statistics:

79% of employees prefer new or additional benefits to a pay increase.
47% of nonprofits with fewer than 50 employees offer health insurance benefits.

Offering health insurance is a top contributor to job satisfaction and retention. Happy employees perform their jobs better and are more productive.

Can You Afford to Offer Health Insurance?

Which Nonprofits Must Offer Health Insurance?

Uniform coverage for singles and families.
Expensive, with rising premiums.

Health Reimbursement Arrangement (HRA)

Tax-free allowance towards out-of-pocket medical expenses.
Predictable costs.

SHOP Marketplace Group Plan

Available for nonprofits with 50 or fewer employees.
Potential access to Small Business Health Care Tax Credit.

Experienced Accounting ProfessionalsCan You Afford to Offer Health Insurance?