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Guide to Employment Law. Currently, there is no federal law mandating employers to provide employees with health insurance coverage, and many states do not require employers to provide it or any other health coverage.
Small employers can choose whether to offer health insurance to their employees. If they offer health insurance, it must be available to all employees working 30 hours or more per week and their dependents. Texas insurance law defines a small employer as a business with two to 50 employees, regardless of how many hours they work. In general, insurance companies require at least 75 percent of a small employer's full-time employees to participate in the health plan.