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Texas Health Insurance (TX)Did you know that 25% of the 5.5 million Lone Star State residents are uninsured? This is the highest in the country, and well above the national average of 16%.* Health insurance isn't a luxury, it is a necessary to keep yourself and your family in good shape - both medically and financially. Take a stand and find out more!
Get a quote for Texas health insurance now >> Individual Health Insurance in Texas (TX)Individual health coverage from private insurers can be denied to you because of a health problem. Texas requires individual insurers to offer Consumer Choice Benefit Plans which are lower cost. In the presence of a pre-existing condition, unless your insurance is through an HMO, you may meet with exclusions. Insurance companies can attach an elimination rider to the policy or they can require an exclusion period of no more than 24 months for the condition. In the first two years of coverage, any claim you make will allow your insurance company to review your medical records for the five years prior to your application. If one is found, the company can refuse to pay the claim. Pregnancy can be considered a pre-existing condition, however, genetic information cannot. If you have had continuous coverage with a group, government, or church plan in your immediate past, with no breaks of more than 63 days, you are entitled to creditable coverage. Although there are no limits set by the State on the cost of individual policies, your insurance will not be cancelled due to your illness. For those who cannot afford individual policies or who are HIPAA eligible, Texas Health Insurance Risk Pool offers assistance with health insurance. Self-Employed Health Insurance in Texas (TX)Self-employed individuals are not allowed to buy small group health insurance. Get a quote for Texas health insurance now >> Group Health Insurance in Texas (TX)Group health insurance companies in Texas cannot refuse insurance to qualified persons because of a health problem, nor can they be charged more than others in their group. Your new employer is allowed to wait to offer group coverage. Special opportunities for group coverage are given to some people because of certain life changes dealing with marriage or job loss. If you have group insurance through your small business employer, he/she is required to also include your spouse and dependents in the coverage. Newborn, adopted, grand, and disabled children have special considerations under Texas regulations for health coverages. Except for HMOs, group insurers have the right to review your medical history for the six months prior to new coverage. They can require an exclusion period with a maximum of 12 months. HMOs are not allowed to impose exclusion periods, but they do often require affiliation periods. If you have had continuous coverage of your pre-existing condition, with a break of no more than 63 days, you are due creditable coverage. There are a number of state governments in Texas which have removed protections from their group insurance and it is recommended you check with your employer for your possible inclusion. Get a quote for health insurance now.>> Small Business Health Insurance in Texas (TX)If you are a small business with two to 50 employees, you cannot be refused small group health coverage and you cannot be cancelled due to sickness within your insured group. There are also limits on the cost of the premiums for businesses with less than 50 employees. The State requires insurance companies to offer policies with mandated benefits. A small business with two to 50 employees can join a statewide and approved purchasing alliance for group health insurance coverage. For regulations dealing with professional associations that offer group health coverage, please contact your Texas Department of Insurance for clarification. The Texas Department of Insurance Texas Programs (TX)Besides Texas Health Insurance Risk Pool, there are several programs for assistance to residents of the State: Medicaid, Texcare Chip, and Breast and Cervical Cancer Control Program. Health Insurance in Texas Cities (TX)Learn more about health insurance (including medical facility details) in Abilene, Amarillo, Austin, Beaumont, Dallas, El Paso, Fort Worth, Garland, Houston, Laredo, Lubbock, and San Antonio.
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Key Facts... From 1999 to 2009, employer-sponsored family health insurance premiums increased 131% and the average annual cost of coverage went from $5,791 to $13,375. You may be able to lower costs by switching to a private plan. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. The Recession of 2008-2009 meant that 6.9 million people lost their employer-sponsored insurance. Of those, 3 million became uninsured. Source: Based on John Holahan and Bowen Garrett, "Rising Unemployment, Medicaid, and the Uninsured." Among 300 million Americans, 15% are uninsured, 52% have coverage through an employer, 27% are covered under Medicare/Medicaid, and only 5% have private non-group coverage. Are you insured? If not, then request a quote today. Source: Kaiser Commission on Medicaid and Uninsured/Urban Institute analysis of March 2009 CPS. Average premiums for health insurance coverage range widely from state-to-state. In New York, annual premiums are an average of $6,630, while in Iowa they are $2,606. Find out how much you can save by requesting a quote. Source: AHIP Center for Policy and Research. "Individual Health Insurance 2009." |
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