Texicare

Texicare

Texas small-business group health plans

Overview

Texicare is a health insurance affiliate of Texas Mutual that provides group health plans for small Texas businesses, mainly those with 2–50 employees. It sells plans through agencies and professional organizations, offering Essentials Care and Savings Care with fixed monthly premiums and added benefits like $0 copays for a set number of visits, unlimited 24/7 virtual care via CirrusMD, and optional dental coverage via Ameritas; TempoPay offers interest-free financing for out-of-pocket costs. The company emphasizes a local Texas focus and has over $300 million in approved funding to grow across the state. Its goal is to expand access to affordable, easy-to-understand health coverage for small businesses in Texas that may not offer benefits otherwise.

About Texicare

Simplify's Rating
Why Texicare is rated
C
Rated C on Competitive Edge
Rated C on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Healthcare

Company Size

51-200

Company Stage

N/A

Total Funding

N/A

Headquarters

Houston, Texas

Founded

2023

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Simplify's Take

What believers are saying

  • In January 2026, Texicare added Virta Health diabetes reversal at no extra cost.
  • In February 2026, Texicare expanded dental coverage across Ameritas's 14,000 Texas providers.
  • PerfectQuote integrated Texicare into its broker quoting platform on January 7, 2026.

What critics are saying

  • Texicare still relies on Texas Mutual subsidies; March 2025 approved only $300 million total.
  • UnitedHealthcare, Blue Cross, and local HMOs can outspend Texicare in Texas brokers.
  • If Texas Mutual stops funding losses, Texicare's expansion stalls and the affiliate becomes existentially exposed.

What makes Texicare unique

  • Texas Mutual backs Texicare with a $300 million funding commitment through 2025.
  • Meredith Duncan combines Aetna, Bright HealthCare, Kaiser Permanente, and CVS Texas experience.
  • Texicare sells brokered small-business plans with CirrusMD virtual care and Ameritas dental.

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Benefits

Health Insurance

Vision Insurance

Dental Insurance

Life Insurance

Disability Insurance

Flexible Spending Account

Unlimited Paid Time Off

Nine paid holidays

401(k) Company Match

Pet Insurance

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