Small Business Insurance · Denton, TX
Better Benefits.
Bigger Savings.
Our flagship small business plan is typically 40% less than ACA plans — with better coverage. Drive growth, retain your best employees, and stop overpaying for group health insurance.
Drive Growth. Retain Talent.
Small business health benefits that actually make financial sense.
Offering competitive health benefits is one of the most powerful tools you have for attracting and keeping great employees. But traditional group insurance is expensive, inflexible, and often delivers less coverage than it promises.
At Fredrick Insurance Brokers, we work with independent agents who specialize in small business coverage — and we have access to a flagship plan that consistently outperforms standard ACA group plans on both price and benefits.
Whether you have 5 employees or 50, we’ll build a plan around your business — not the other way around.
Get a Business QuotePlans available for:
A Real-World Result
From $80K to $47K — with a better plan.
We recently helped a company covering 11 employees make the switch. Here’s what changed when they moved from a traditional group plan to our flagship:
📍 Oklahoma City · 11 Employees · 100% Employer-Paid
Before
$80,000
per year
$6,000 deductible per employee
After
$47,000
per year
$0 deductible — first dollar coverage
$33,000
Saved per year
That’s a 41% reduction in annual spend — while eliminating the deductible entirely and improving coverage for every employee.
Results based on actual client transition. Individual savings vary by company size, location, and plan selection.
Flagship Plan Features
What makes our plan different from standard group coverage.
These aren’t just talking points — they’re the specific structural advantages that drive the savings.
Level Funded
Instead of paying unpredictable monthly premiums into a traditional group plan, your business pays a fixed monthly amount. If claims come in under budget, you get money back at the end of the year. Predictable. Transparent.
Cash-back potentialNo Rate-Ups or Loads
Guarantee issue at individual rates — meaning your employees are covered regardless of pre-existing conditions, and you don’t get penalized with higher premiums because of your workforce’s health history.
Min. 8 employeesRisk Management Plan
This built-in structure saves your business $525 per employee per year in payroll taxes. For a 10-person company, that’s $5,250 back into your bottom line — every single year.
$525/employee/yr savingsGroup Pool
Your company joins a shared group pool, gaining access to traditional Major Medical coverage at 30–40% less than what you’d pay going directly through an ACA plan. Strength in numbers — without the ACA price tag.
30–40% below ACA pricingFirst Dollar Coverage
No deductible for employees or their dependents. Coverage kicks in from the very first dollar of care — doctor visits, labs, outpatient services. Your team actually uses their benefits instead of avoiding care to dodge deductibles.
$0 deductibleFamily Coverage Without the Premium Spike
Traditional plans can jump from $367 (employee only) to $1,374 (employee + family). Our flagship plan provides first-dollar coverage for children without the high deductible — and at a significantly lower premium for families.
No deductible for kidsWhat Your Employees Get
Benefits your team will actually notice.
Retention isn’t just about salary. Employees stay when they feel genuinely taken care of. Here’s what our plan delivers at the individual level.
Any Doctor, Any Network
Employees aren’t boxed into a narrow network. The plan pays the benefit regardless of provider — giving real freedom of choice at the point of care.
24/7 Telemedicine Included
Every covered employee gets 24/7 Teladoc access — talk to a doctor, get a prescription, skip the waiting room. Productivity stays up, sick days go down.
Flat-Rate Hospital Co-Pay
No massive upfront deductible before a hospital admission. A defined co-pay at the end of the bill — predictable and manageable for your employees.
Patient Advocacy (Karis Group)
Medical bills over $2,500 are professionally negotiated by the Karis Group — free to employees. Their average savings is 70%. A real benefit people talk about.
Coverage That Doesn’t Drop Them
Employees won’t lose coverage after a medical event. The plan doesn’t cancel or non-renew based on claims — real stability for your team.
On & Off the Job Coverage
Coverage isn’t tied to the workplace. Employees are protected wherever they are — at home, traveling, or working in the field.
The Process
Simple from day one.
Getting your team onto a better plan doesn’t have to be complicated. Here’s how we do it.
Free Consultation
We start with a conversation about your business — number of employees, current plan costs, what you’re happy with and what you’re not.
Custom Analysis
We run the numbers — comparing your current spend against what the flagship plan would cost, including the payroll tax savings. You see the full picture.
Plan Design
We build the plan around your team — contribution levels, dependent coverage, and any supplemental benefits that add value without adding cost.
Ongoing Support
We handle renewals, employee questions, and claims support. Your HR burden goes down. Employee satisfaction goes up.
Common Questions
Answers before you have to ask.
How small is "small business" — do I qualify?
Our flagship plan works for businesses with as few as 2 employees, though guarantee issue (no medical underwriting) is available starting at 8 enrolled employees. We’ll confirm eligibility in your first consultation — no commitment required.
What does "level funded" actually mean for my business?
Instead of paying traditional premiums where the insurer keeps everything regardless of claims, you pay a fixed monthly amount into a fund. If your employees' claims come in under the projected budget, you receive a refund of the surplus at year-end. It combines the predictability of fully-insured plans with the potential savings of self-insurance.
How does the $525/employee payroll tax savings work?
The Risk Management Plan structure allows certain employer health contributions to be made pre-tax in a way that reduces both employer and employee payroll tax liability. For a 10-person company, this adds up to $5,250/year in tax savings — on top of the premium reduction from switching to the flagship plan.
What if some of my employees already have coverage?
We can design a plan that works for mixed scenarios — employees who want to join, those who prefer to keep existing coverage, and dependent-only situations. We’ll structure the contribution strategy to maximize value and minimize your administrative burden.
How long does it take to switch?
The consultation and analysis typically takes one conversation. Once you decide to move forward, enrollment and setup usually takes 2–4 weeks depending on group size. We handle the transition process — your team just fills out enrollment forms.
Ready to Run the Numbers?
See what your business could save this year.
A free, no-pressure consultation with our Denton team. We’ll compare your current plan costs against what the flagship plan would deliver — and show you the full picture, including payroll tax savings. No commitment. No strings.
Fredrick Insurance Brokers is an independent licensed insurance agency. Plan savings, features, and tax benefits vary by business size, employee census, state, and individual circumstances. The $80K→$47K example is based on an actual client result and is not a guarantee of savings. Guarantee issue requires a minimum of 8 enrolled employees. This page may not display all available plan options. Contact us for a personalized business analysis.
Independent, family-owned health insurance agency serving Denton, TX and all of North Texas. Katherine Clark & John Fredrick work in the best interest of their clients, not the carriers.
📍502 W Oak St STE 102A, Denton, TX 76201
📞(972) 375-0507
⏰Monday – Friday · 9:00 AM – 5:00 PM
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