Houston employee benefits · Serving Texas since 2008
We’re Julie and Cody Wall. We place group medical, dental, vision, life and disability plans for Texas businesses from 2 to 1,000 employees, then stay on the line all year for the claims, the enrollments and the compliance. No annual disappearing act.
In benefits since 2008.
Both of us, on the same side of the desk.
Third generation.
Cody’s family has been placing benefits in Texas for about 60 years.
English and Spanish.
Cody runs the enrollment meetings, and Julie runs them in Spanish.
Employee Navigator included.
Benefits and HR software, set up by us, at no cost to you.
Why most people call us
It’s the same story most of our clients tell us. The rate went up again, nobody explained why, and the person who sold them the plan has not been in the office since the day they signed.
The increases are real. Small group premiums rose a median of 11% for 2026 across the country, and Texas carriers have filed for a 16.9% weighted average increase for small groups in 2027. What isn’t inevitable is going through it on your own.
Sources: KFF analysis of 2026 preliminary rate filings; Texas 2027 preliminary filings via the federal Rate Review database. 2027 rates are requested, not approved.
What we cover
The core plan
The plan everything else hangs off. Fully insured, level funded and HRA-based options, quoted across BCBSTX, Aetna, UnitedHealthcare, Cigna, Curative, Gravie and more, then explained in plain English to you and to your team.
See how it worksThe two people ask for first, and the easiest add to get right.
Group term life, short and long term disability, with voluntary buy-up.
Accident, critical illness, hospital indemnity and gap plans, usually at no cost to you.
The tax-advantaged accounts, compared side by side so you can see which fits.
For employers with staff turning 65 who want to stay on the group plan.
Beyond the policy
When someone on your team gets a bill they don’t understand, or a claim gets denied, or a new hire needs adding halfway through the year, they call us. We work it with the carrier and report back. In English or Spanish.
That’s not an add-on service, it’s the job.
ACA reporting, ERISA documents, COBRA, Section 125, required notices, and the non-discrimination testing that employers fail without ever knowing they were being tested.
Julie handles the filings and Cody walks you through what each one means. Nobody here emails you a PDF and wishes you luck.
Onboarding, elections, carrier feeds and employee self-service, so open enrollment stops being a stack of paper forms on your desk. We implement it and we run it. You don’t pay for it and you don’t set it up.
And if you already have payroll or benefits software you like, keep it. We work with what you have. If you would rather do it on paper, we’ll do that too.
How we work
The busy month Steps 1 and 2: we listen, shop it and explain it.
The eleven quiet months Step 3: we stay involved, so you don’t have to.
What you have now, what it costs you, what your team actually complains about, and what you want the benefits to do for the business.
We take it to the market, put the real options side by side, and tell you what each one means in plain language. Then we explain it to your team, not just to you.
Enrollment, claims, new hires, terminations, compliance dates. All year, not just at renewal.
It’s a one-page Agent of Record letter. Your plan doesn’t change, your carrier doesn’t change, your price doesn’t change until your renewal, your employees don’t have to do anything, and it can happen at any point in the year. You are just changing who picks up the phone.
Who you deal with
CEO & Founder · In benefits since 2008 · Bilingual
Julie built the service side of this business, and it’s still the thing she cares most about: employees get help, not just employers. She also handles the regulatory filings that keep our clients out of trouble.
President · In benefits since 2008 · Third generation
Cody is third generation. His grandfather started the family agency around 60 years ago, his father took it over in the late nineties, and Cody was its president. He runs the enrollment meetings and keeps up with the rules so clients don’t have to.
Married eighteen years, in business together, raising a 16-year-old in Houston. Read the longer version
Real numbers
In 2024, employer-sponsored single coverage in Texas averaged $7,833 a year per covered employee, of which employers paid an average of $6,318. That’s roughly $650 below the national average. Small group premiums then rose a median of 11% for 2026, and Texas carriers have requested a 16.9% weighted average increase for 2027. Your number depends on your group’s age, your county, the plan design and how much of the premium you cover.
Get your actual numberTexas and national figures come from different surveys and different years, so they are not directly comparable. Figures are for general information, not a quote.
Jumping into navigating employee benefits and insurance with no prior experience was a little overwhelming, but they have made the entire process so easy. Any time I have a question, Julie is only a phone call away and she and her team always have a solution within minutes. It’s rare to find people like Julie and Cody with this level of expertise combined with such a personal approach.
As someone who’s rather new to handling employee benefits and insurance, Julie has really made it so much easier for me to learn and navigate everything. She is always quick to answer my questions and help when something comes up with one of our employees. Cody has also been great to work with and has gone above and beyond for us. He has created tools to help us evaluate our benefit options and even put together a video for our employees explaining our insurance coverage.
Great company! They are very knowledgeable, professional, and always respond in a timely manner. I’ve had a great experience working with them and highly recommend their services!
Reviews quoted as written and trimmed only for length. Read them all on Google
Industries we serve
Benefits look different in a machine shop than they do in a doctor’s office. Hourly crews, seasonal work, high turnover and teams that don’t all speak English change what a plan needs to do, and we’ve built for all of it.
Texas defines a small employer as one with an average of at least two and no more than 50 employees, and at least two on the first day of the plan year. An eligible employee is one who usually works at least 30 hours a week. So two enrolled employees is generally the floor.
Source: Tex. Ins. Code §1501.002
No. The federal employer mandate applies to employers with 50 or more full-time equivalent employees. Below that there is no requirement to offer coverage. Most of our clients offer it because they’re competing for the same people the big employers want.
Texas law does not set a general minimum employer contribution for the open small group market. In practice most carriers require the employer to pay at least half of the employee-only premium, and Texas law does require at least 75% of eligible employees to enroll. Requirements vary by carrier and we confirm them when we quote.
Source: Tex. Ins. Code §1501.154
With a fully insured plan you pay a fixed premium and the carrier takes all the claims risk. With a level funded plan you pay a fixed monthly amount that covers claims, administration and stop-loss cover, and if your group’s claims come in low you may get money back at the end of the year. Level funding can suit a younger, healthier group. It also carries more variability.
No. Broker compensation is built into the carrier’s rates whether or not you use one, so the premium is the same. The difference is whether anyone helps you compare the options, run the enrollment and deal with the claim when it goes wrong.
You sign a one-page Agent of Record letter naming us on your existing policy. The plan, the carrier, the network and your employees’ cards all stay the same, and so does your price until your renewal. It can be done at any time of year, not only at renewal.
Get in touch
Monday through Friday, 8:30am to 5:30pm.
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The Clever Insurance a trading name of Clever Benefit Solutions LLC 6220 Westpark Dr, Suite 115 Houston, TX 77057 service@cleverbenefitsolutions.com
