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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 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.
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.
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
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. Part of the free Coverage Audit.
What is your benefits plan actually costing you?
The free Employee Benefits Cost Review inside our Coverage Audit shows what your plan delivers for the money and what to ask for at renewal. No cost and no obligation.