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Group Health Insurance
Fully insured group medical plans for Texas employers, with carrier comparisons, renewal negotiation, and an Affordable Care Act compliance check built in.
Employee benefits that work as hard as your team does
Benefits are Expensive! (If done wrong)
Structure Makes all the difference.
Employee benefits are often the second largest line item after payroll. 4J helps Texas employers design plans that attract good people and keep costs predictable, without guessing at what the fine print means.
4J Insurance Brokerage specializes in employee benefits and group health strategy for North Texas employers with approximately 50 to 500 employees , and selectively serves smaller organizations based on their needs and complexity.
Not Sure Where to Start?
If you are working through a rule rather than shopping a plan, start in the Employee Benefits & ACA Resource Center. It covers ACA employer mandate compliance, health plan funding structures, benefits compliance obligations, and the tools to check your own numbers — with every regulatory figure linked to its IRS, DOL or CMS source.
ACA compliance, one question at a time.
The mandate turns on counts, thresholds and filings, and each one has a separate answer.
- Applicable Large Employer (ALE)
Whether the employer mandate applies to you at all starts with this count. - Full-Time Equivalent Employees
Part-time hours aggregate into full-time equivalents, and the math decides your status. - Measurement Methods
Monthly or look-back changes who counts as full-time, and when. - Minimum Essential Coverage and Minimum Value
Two different tests, and a plan can satisfy one while failing the other. - 1094-C and 1095-C Reporting
Filing obligations, deadlines, and what the IRS matches against.
Funding decides where the claims risk sits.
Changing funding structure changes cash flow, data access and downside exposure together.
- Fully Insured, Level-Funded and Self-Funded
Where claims risk sits, and what changes about cash flow and data access. - Stop-Loss Insurance
What caps the exposure when one claim or a bad year threatens a self-funded plan.
Check the numbers before the conversation.
Both calculators run on your own workforce data.
- ALE Calculator
Check whether your workforce places you inside the employer mandate. - 2027 ACA Affordability Calculator
Test contribution levels against the 2027 threshold.
Before you accept the renewal.
Renewal terms should be challenged, not simply accepted. Start by understanding what drives the number and what your broker should be doing about it.
- Why Renewals Increase
What actually drives the number before you negotiate it. - What a Renewal Review Requires
The four documents a broker needs before a review means anything. - What to Expect From a Benefits Broker
The service standard to hold your current broker against. - How to Judge Broker Performance
Concrete tests, not impressions.
Benefits programs we build
Level Funded Health Plans
A middle path between fully insured and self funded. Premiums stay fixed each month, and a good claims year can return part of what you paid. We model whether it fits your group.
Medical Stop Loss
Protection for self funded and level funded plans when a single large claim or a bad claims year threatens the budget. We review attachment points and contract terms.
Benefits decisions should be made with claims data and plan documents on the table, not sales brochures
Group Health Insurance Glossary
Understand plan, funding, coverage and benefits terminology before the renewal conversation.
More ways we support your plan
Benefits Administration
Enrollment support, employee communications, and a single point of contact all year, so benefits questions do not land on your desk.
Dental, Vision, and Ancillary
Dental, vision, life, and disability coverage that rounds out your medical plan and helps your offer stand out to new hires.
Benefits Cost Review
A side-by-side look at what you pay, what employees pay, and what the plan actually delivers, with clear options before your next renewal.
What is your benefits plan actually costing you?
Want a second set of eyes before you accept the renewal? A Group Health Renewal Review examines the plan, funding structure, contribution strategy and renewal assumptions before you sign.