Austin Health Insurance

Austin, TX Health Insurance Concerns

The percentage of uninsured Austin residents is lower than the Texas state average, but still higher than the national average. Austinites can take advantage of a variety of different medical plans including private, group, and state supported options. Finding the Austin, TX health insurance that's optimal for you and your family might be challenging without the help of a qualified, independent insurance professional.

Your local Trusted Choice® member agent will help you explore affordable Austin health insurance options. These agents take the time to understand your needs and can locate quality healthcare alternatives that fit within your budget. Contact a local member agent to help you compare Austin medical insurance quotes and understand different medical plans.

Austin Health Insurance Facts

  • Rate of uninsured in Travis County: 19.1%
  • Rate of uninsured Texans: 24%
  • Rate of uninsured Americans: 16%

Austin Health Insurance Alternatives

Austinites have a variety of medical policy options. One of the following options may be the right choice for you and your family. Your best choice will depend upon which plans you have access to, your healthcare needs, personal preferences, and, of course, your budget.

  • Group medical plans from employers
  • Individual and family health insurance
  • Supplemental health insurance
  • State and federal public health plans and clinics
  • Private foundations and charities

If you are fortunate enough to work for a large company in Austin, like Dell or IBM, you may already have group medical benefits from your employer. Most employers do pull part of the premium from your paycheck, so be sure you research all your options before deciding that group health plans are best for you.

Most private companies also sell individual and family medical plans that you can purchase on the open market, like Health Savings Accounts (HSAs). These plans will follow you even if you change jobs or retire.

Some families struggle with medical plan premiums even when they have access to group or private medical insurance. These families may be able to rely upon public options. For example, the Texas CHIPS (Children’s Health Insurance Program) is open to children of low to moderate income families. Some families purchase group or individual coverage for the adults and rely on CHIPS to insure their children.

Texas private insurers may decline coverage to some individuals because of pre-existing health conditions. Texas has a high-risk insurance option, which is sold through Blue Cross of Texas, a private insurance company. If a member of your family is denied private insurance, a good local agent should be able to help you explore your options.

Cost of Austin Health Insurance

There is no average rate for Austin health insurance. Employers may set group rates and require employee contributions. Individual and family plan rates are based upon the policy options, age, and general health of the applicants.

Individual insurance is not always more expensive than coverage through group plans. Since group plans are based upon an entire company’s general health underwriting, some healthier and younger people may find lower rates on the individual market. Be sure to compare the benefits of private plans versus group plans. For example, in Texas it is difficult to find maternity coverage on the individual market, so if you're starting a family or planning to in the near future, make sure you've got the coverage you need.

Public options may have set rates or rates based on a sliding scale according to your family’s income. Check with an independent agent to make sure you're getting coverage that makes sense for the needs and budget of your household.

Compare Texas Medical Insurance Quotes

Your local independent agent in the Trusted Choice network can make finding the right Texas health insurance much simpler. An independent member agent in your area can help you understand your options, and will help you choose the Austin health insurance that's right for your needs and budget.

Buying the right Austin health insurance plan for yourself and your family can be complicated and time consuming. There will be a lot of insurance jargon to understand and policy options to compare. But, you could be taking a big risk if you postpone finding medical insurance for yourself and your family. Contact a Trusted Choice member agent right away to learn more about Austin health insurance.

Now, who's ready to get their insurance problems solved?