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Frequently Asked Questions

Does employer have coverage?

The ACA’s employer shared responsibility provision, also known as the employer mandate, requires large employers to offer affordable, comprehensive health coverage to their full-time employees. If an employer doesn’t comply and then has full-time employees who obtain subsidized coverage in the marketplace/exchange, the employer can be subject to financial penalties.

Does Texas require Workers Comp Insurance?

Texas is the only state that does not require workers' compensation insurance. That means if you are an employer, you make the choice whether or not to have a workers' compensation policy. An independent insurance agent may suggest getting workers' compensation insurance even though it's not a state requirement to avoid any chance of being sued personally by your injured employee.


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