14030 Liberty St Montgomery, TX 77316

(936) 756-6199

(936) 756-6199

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    • Home
    • Medicare
      • Medicare Supplement
      • "All In One" Plans
      • Part D
      • Life
      • Travel
    • Individual & family
      • Health Insurance
      • Short Term Health
      • dental vision
      • Life
      • Travel
      • long term care
    • Small Business
      • Health Insurance
      • Catastrophic
    • About us
    • News
    • FAQ
  • Home
  • Medicare
    • Medicare Supplement
    • "All In One" Plans
    • Part D
    • Life
    • Travel
  • Individual & family
    • Health Insurance
    • Short Term Health
    • dental vision
    • Life
    • Travel
    • long term care
  • Small Business
    • Health Insurance
    • Catastrophic
  • About us
  • News
  • FAQ

Freedom Insurance

Freedom InsuranceFreedom InsuranceFreedom Insurance

a One Stop shop for health insurance

a One Stop shop for health insurancea One Stop shop for health insurance

Small Business Insurance

Think you can't qualify ... click below to see what it takes.

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With all the changes in health care, a lot of small businesses can now qualify for small business group insurance.   


During certain times of the year, Texas insurers allow us to offer a Participation and Contribution Holiday.  This “Holiday” will allow us to offer small business with less than 50 employees a group policy without the normal participation requirement of 75% employee and at least 50% of the premiums paid by the employer.   As long as you meet the General Qualifications, and you have at least one w-2 employee, we could possibly cover just two people in the company.

General Qualifications:
1. Must have at least 2 employees and no more than 50.
2.  Must be able to show Proof of business to include :
• Most current quarterly wage report from the Texas Workforce Commission (TWC)
– OR – All pages of any of the following documents filed with the state:
• Articles of incorporation
• Articles of organization
• Certificate of organization
• Certificate of limited partnership
• Limited liability company organizational documents
Sole Proprietors may need to submit additional documents such as:
• Profit or Loss from business (IRS Form-Schedule C)
• Net Profit From Business (IRS From-Schedule C-EZ)
• Self-Employment Tax Schedule SE (IRS Form-Schedule SE)
3.  Must be able to show proof of wages:
• The quarterly wage report from the TWC
– OR –
• The most recent quarterly payroll reports, which must include the company name, and show the number of employees for each month in the prior quarter (at least three months)
– OR
• W-2s for existing employees, or W-4s for new hires
• When a new hire is acquired to establish two eligible employees, 30 days of payroll is required for the new employee
• 1099 forms are an acceptable proof of wages for contract employees
– Groups must have 1 eligible enrolling employee prior to offering coverage to a 1099 employee
– If the employer offers coverage to 1099 employees, these employees would follow the same eligibility requirements as W2 employees

Additional requirements may need to be met if the business is a sole-proprietor or where all employees are owner/operators.

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