Texas employee benefits broker

Employee Benefits Broker for Growing Teams in Texas

One carrier writes about nine out of ten small group plans in Texas, so most employers never see a competing bid. Ignition prices your team against the rest of the market.

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20%+ savings
No commitments
Zero coverage disruption
Employee Benefits Broker for Growing Teams in Texas

Renewals in Texas arrive without a reason attached.

One carrier group, Health Care Service Corporation (HCSC), which operates Blue Cross Blue Shield of Texas, holds about 89% of the Texas small group market. The next largest holds 7%. When one carrier is that dominant, its renewal number rarely gets tested.
Hire enough people to pass 50 employees mid-year and the rules around your pricing change. Nobody sends a letter about that either.
The old way
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Accept the renewal, hope it's fair.
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No visibility into how it's priced.
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Switching feels risky.
The Ignition way
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Benchmarked against peer companies.
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Carrier pricing data, finally visible.
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Same network. Often better coverage.
20%+
Average savings
$4-8K
Saved per employee
30 min
to switch
100%
free, no commitment
One carrier writes most of the market.

Why choose a Texas-based employee benefits broker

Most Texas employers only ever see the incumbent's number. We put your census in front of the rest of the market and show you what each carrier would charge for the same coverage.
Why choose a Texas-based employee benefits broker
Licensed in Texas.
Ignition Benefits does business as Ignition Insurance Solutions. National Producer Number (NPN) #22134889.
Built for your stage.
Growing companies often get treated like side accounts at large brokerages. This stage is what we were built for, not stretched to fit.
Texas continuation, handled.
Up to nine months, or six after the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) ends. Employees need three months of prior coverage, so we track the dates.

What Ignition does differently in Texas

A modern benefits broker
Built for founders and Texas's growing companies, from your first hires onward.
See what you're overpaying
We analyze your employee data to assess your true benefits risk and benchmark your current spend against companies your size.
Compete for talent
Access the same quality plans as companies ten times your size, at a price that works for a growing team.

Get your free Texas employee benefits assessment today.

See what comparable companies actually pay.

Simple Benefits Broker Review Process

A clear three-step process that delivers better employee benefits faster than you'd expect
Get started
Step 1
Share the basics.
A short form and your census.
Step 2
See your workforce risk.
The carrier's read on your team, in plain English.
Step 3
Review and choose.
Every Texas option side by side. You decide.

How to choose an employee benefits broker in Texas

Are they licensed in Texas?
Confirm a real license, not a partner arrangement. We operate as Ignition Insurance Solutions (DBA), NPN #22134889.
Do they know Texas's carrier landscape?
One carrier group holds about 89% of the Texas small group market. Ask which other carriers your broker approached, and what each one quoted. If the answer is only the incumbent, nothing was tested.
Who handles continuation when someone leaves?
Texas continuation runs up to nine months and requires three months of prior coverage. Ask who tracks those dates, because it isn't the carrier.
Stop buying benefits blind. Book a free review.
Then you keep what you have and lose nothing but 15 minutes.
If we can't find a better setup than what you've got, we'll tell you on the call.

“

I got robbed. I was too busy to notice.

Nick Taranto
Founder & CEO
Marine Corps vet
Largest exit in Shark Tank history
We raised hundreds of millions at Plated and had no idea what our benefits were costing us. I wasn't being careless. I was being a founder. Renewal after renewal, premiums climbed.  The people I trusted to fight for me weren't. The brokerage I needed didn't exist. So I built it.
Nick Taranto - Founder & CEO - Marine Corps Vet - Largest Exit in Shark Tank history
Case study · AWM Capital

How AWM saved $156,914 in 30 minutes.

A benefits benchmark turned hidden PEO costs into a clearer path forward.
Six figures saved
Year one. Same provider network. Mayo Clinic now in-network
2 calls
15 minutes each, start to finish
0 disruption
Same doctors, same drug formulary
44 employees
Came off Justworks PEO
Better coverage
Mayo Clinic added in-network
“Our renewal came in at $715,000, a $130,000 jump from the prior year. I thought that was just the cost of doing business. It wasn't.”
Robert McConchie
Chief Financial Officer and Co-Founder, AWM Capital

Customer stories

How AWM saved $156,914 in 30 minutes.

AWM used Ignition to negotiate their 2026 insurance renewal, lowering costs by 22% compared to their initial increase.

How Light Labs pivoted from a finished renewal to $113,115 in savings.

Light Labs turned a 21% increase into an 8% decrease, $113,115 in savings, and better coverage across the board.

How Mango got its entire back office onto one system.

Ignition consolidated everything into Gusto, set it up before open enrollment, and now runs the day-to-day benefits admin so Mango's team doesn't have to.

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Frequently asked questions

Is Ignition a licensed employee benefits broker in Texas?

Yes. Ignition Benefits does business as Ignition Insurance Solutions, NPN #22134889, licensed in Texas.

Can Texas employers switch to Ignition without changing their plan?

Yes. You sign a Broker of Record letter. Your carrier, network, and payroll can stay the same, and there's no obligation.

Which health insurance carriers does Ignition work with in Texas?

We benchmark every carrier writing small group business in Texas against your company's own data, not just the incumbent.

How does Texas state continuation differ from federal COBRA?

It's shorter. Texas continuation can last up to nine months, or up to six months after COBRA ends.

How much can a Texas business save on benefits?

On average about 20% in the first year, based on Ignition client data. In Texas, most of that comes from putting the incumbent's renewal in front of competing carriers, which for many employers has never happened.

What happens if we pass 50 employees mid-year?

Your company leaves the Texas small-group market. The rules around your pricing change at renewal, so it's worth planning for before you cross the threshold.

Do I have to leave my current provider or PEO to switch brokers?

No. Switching requires a Broker of Record letter. Your carrier, network, and payroll stay the same.

What does it cost to work with Ignition?

Nothing upfront. The assessment is free and there's no commitment.

15 minutes. That’s the whole ask.

If we can't find a better setup than what you've got or help you start one right, we'll tell you on the call.
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