El Paso has the 2nd highest percentage of uninsured residents in Texas. Experts at the University of Texas El Paso speculate that part of the problem is communication, as English is not necessarily the dominant language in all parts of this large border city. The U.S. Census Bureau/Texas Controller's Office has shown that 33.2 percent of the El Paso population lacks health insurance. If you are worried about providing healthcare for your family, you should research your El Paso, TX health insurance options.
To find a good health plan, simply contact a local independent Trusted Choice® member agent. An independent agent will help you explore affordable El Paso health insurance choices. You'll also be able to get all of your questions answered, and can review free Texas medical insurance quotes from multiple insurers. Work with an independent agent to find sensible choices and competitive rate quotes.
El Paso Health Insurance Facts
- Rate of uninsured in El Paso: 33.2%
- Rate of uninsured Texans: 24%
- Rate of uninsured Americans: 16%
Even though the city’s rate of people without medical insurance is high compared to state or national averages, many people may just not be aware that they have choices. A good local health insurance agent can be your best resource. These agents are familiar with different types of healthcare options in El Paso.
El Paso Health Insurance Choices
Not everybody will have access to the same types of El Paso health insurance plans, but many people can be served by at least one alternative. The following list should provide you a research starting point for ways to find a good medical plan:
- Employer-provided group medical plans
- Individual and family health insurance
- Supplemental health insurance
- State and federal public health plans and clinics
- Private foundations and charities
Medium- to large-sized El Paso companies may provide group medical insurance to their employees. Even so, employees may have to pay part of the premium. In recent years, many employers have asked their workers to pay increasing shares of the premium.
Self-employed, unemployed or contract workers without group health benefits may be able to purchase an individual or family plan from a private employer. Some employees may even choose to purchase private plans because those plans are transportable from job to job, and in some cases, are less expensive. Just be sure that the individual plan you select provides the benefits you are likely to need. For example, you may have a problem finding a private medical plan in Texas with good maternity benefits.
If you are a low-income El Paso resident or private insurers have declined you, you may qualify for public options. For example, the Children’s Health Insurance Program (CHIP) provides coverage to children of low- to moderate-income families in Texas.
The Texas High Risk Pool is another option available to you. This pool serves qualified state residents declined for a private policy. Currently, Blue Cross of Texas provides this state-supported option. Age, location and deductible options determine the premiums.
Cost of El Paso Health insurance
El Paso medical plans have no average rate. Because you and your family have unique needs, and there are a variety of options available, you can shop around for plans that match your needs and budget. This process is easiest with an insurance professional at your side. An independent agent in the Trusted Choice network can help you find insurance that's right for your needs. Here are some of the factors that determine El Paso health insurance costs:
- The actual premiums and employer contributions determine the group rates and employee contributions.
- Coverage options, policy limits, deductibles, age and general health of the applicants determine individual and family plan rates.
- A sliding scale or a fixed fee may determine low-income public health option rates.
Compare El Paso Medical Insurance Quotes
It is important to be certain your family has access to quality healthcare. A local independent health insurance agent in the Trusted Choice network can help you understand local medical plan choices and can compare El Paso medical insurance quotes from a variety of highly rated insurers.
You can find a plan that is suitable for you and your family. Just contact a local Trusted Choice network agent today for more information about El Paso health insurance choices for every family.