Health insurance is especially important in the United States. While the number of uninsured people in the U.S. dropped in 2012 for the first time in several years, the number of uninsured people in Texas is still higher than the national average.
A local independent agent in the Trusted Choice® network can help you explore affordable Texas health insurance alternatives. These professionals will listen to your needs, help you compare Texas health insurance quotes, and answer your questions. Contact a Trusted Choice member agent today to learn about all of your available healthcare options.
Many Texans are able to take advantage of a variety of different medical plans including private, group, and public options. However, many others fall through the gaps, and are unable to access health insurance without help. Many of these people are simply unaware of the available options to buy Texas health insurance on their own.
The good news is that Texans really do have a variety of medical plan options. One of these alternatives may be the right choice for you and your family:
If you happen to work for a large company, you may already have access to group medical benefits from your employer. Even so, your employer may ask you to pay for a portion of the premiums. Many independent private insurance companies also sell individual and family medical plans. This may be a more affordable option, or if you lack group benefits, it may be your best option.
Medical plan premiums may be out of reach financially for some families. If this scenario sounds familiar, you may be able to insure at least some of your family members with public options, and then use private insurers for the rest. For example, the Texas CHIPS (Children’s Health Insurance Program) public option is open to children of families with low to moderate incomes.
Texas insurers currently have a right to decline some individuals for coverage. However, that is subject to change with the implementation of Affordable Care Act. Even if one member of your family is declined for private insurance, a local agent may be able to put together an insurance plan that will cover everybody. Local agents who are members of the Trusted Choice network understand the upcoming changes in health insurance regulation and can help explain the details.
There is no such thing as an average rate for Texas health insurance. Group rates and employee contributions may be determined by the health status and financial ability of individual employees. Individual and family plan rates are based on the age and general health of the applicants. It is also a mistake to assume that individual private insurance is always more expensive than a group plan.
Since group plans are based upon an entire company’s underwriting, some healthier and younger people may find lower rates on the individual market. No matter what, be sure to compare the benefits of private plans versus group plans, as they often differ. Public Texas health insurance options may have set rates or rates based upon a sliding scale according to each family’s income.
Buying the right Texas health insurance plan for you and your family can be complicated and time consuming. Your local independent member of the Trusted Choice network can provide answers to your questions. Your agent will supply you with sensible options, competitive Texas health insurance quotes, and offer recommendations without bias toward any specific company. Find a Trusted Choice member agent in your neighborhood today.