Health Insurance by Industry in Texas
Coverage decisions look different depending on what kind of business you run. Find guidance built around your industry and city below, or see how ACA Marketplace coverage compares to a small-group plan for your line of work.
Restaurants & Food Service
Most independent restaurants and food service businesses in Texas run lean, often under 10 employees, with a mix of full-time kitchen staff and part-time or seasonal front-of-house workers.
Construction Contractors
Construction crews in Texas range from solo contractors to firms with dozens of tradespeople, often supplemented by subcontractors who aren't true employees for benefits purposes.
Auto Repair Shops
Independent auto repair shops in Texas are typically small operations, often five or fewer employees including the owner-operator.
Dental Practices
A typical Texas dental practice runs with anywhere from 3 to 15 staff, including hygienists, assistants, and front-office employees, in addition to the dentist-owner.
Chiropractic Offices
Chiropractic offices in Texas are typically very small, often just the practitioner plus one or two front-office or clinical support staff.
Real Estate Agencies
Real estate offices in Texas often have a small core staff, with most agents working as independent contractors rather than employees.
Law Firms
Texas law firms range from solo practitioners to firms with a dozen or more attorneys and paralegals, with benefits expectations rising quickly as firms grow.
Accounting & Bookkeeping Firms
Accounting and bookkeeping firms in Texas are often small, steady operations, commonly under 15 employees, with relatively low staff turnover compared to other small-business categories.
Veterinary Clinics
Texas veterinary clinics typically employ somewhere between 5 and 20 people, including veterinarians, vet techs, and front-desk staff.
Retail Stores
Independent retail stores in Texas vary widely in size, but many rely heavily on part-time staff, which affects who's actually eligible for group coverage.
Medical & Physician Practices
Physician practices in Texas range from solo practitioners to multi-provider groups with dozens of clinical and administrative staff.
Physical Therapy Practices
Physical therapy practices in Texas typically run with a handful of therapists and support staff, often under 15 employees total.
Childcare & Daycare Centers
Childcare centers in Texas are typically staffed by a mix of full-time lead teachers and part-time aides, with total staff size often in the 10-25 range depending on enrollment.
Landscaping Companies
Landscaping companies in Texas often have a small year-round core staff supplemented by seasonal crews, especially in warmer months.
Hair Salons & Spas
Hair salons and spas in Texas are often small operations, and many stylists and estheticians work as booth renters or independent contractors rather than employees.
HVAC Contractors
HVAC contractors in Texas range from solo operators to firms with dozens of technicians, with demand often peaking during the state's hottest months.
Don't see your industry or city?
These guides cover the industries and metros we hear about most, but the same core trade-offs apply to almost any small business in Texas. Reach out through our About page and a licensed agent can walk through your specific situation.
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