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Cheap Texas Health Insurance

Just because everything else is bigger in Texas doesn’t mean that your health insurance premiums need to be. There are many different ways a Texas resident can save big bucks on their health insurance and find a cheap Texas health insurance rate.

1) “Togetherness” Can Save Money. If you are married then sharing a health insurance plan with your spouse can often times save you hundreds of dollars versus each of you buying a separate health plan. Be sure to check with your insurance company to verify time restrictions that may be written into your health insurance plan – some plans will only allow your spouse to join your plan during the first 30 days of a new marriage. If that is the case, you may have to wait until the next annual open enrollment before you and your spouse can join together on a health plan.

2) Shop Around. The phrase “shop til you drop” needn’t be applicable to Texas residents if they use an independent insurance agent who can compare multiple quotes from different insurance companies. Going through an independent insurance site or agent can help you shop around without feeling overwhelmed. While you shop, take into account all exclusions and limitations offered by the plan.

If the freedom to choose your own healthcare providers is important to you, make sure your plan offers that option. It is also good to look at out of pocket expenses like co-payments, coinsurance, and deductibles. If you have frequent visits to the doctor these seemingly small expenses can add up quickly.

Use our free insurance quote finder at the top of the page to compare quotes from multiple Texas insurance companies side by side!

3) Evaluate Your Plan’s Deductible. Sometimes having a higher deductible can actually be cheaper for you in the long run. A higher deductible means a lower premium, which means money saved for you. However, if you do incur a major medical expense the higher deductible will mean a higher payout from you. Take a look at your insurance history and determine if you may benefit from raising your deductible.

4) See if You Qualify for the Texas Health Care Insurance Risk Pool. If you are HIPAA eligible and have trouble paying for health insurance the state of Texas can offer assistance in paying for your health insurance.

5) Purchase Texas Individual Health Insurance. Purchasing your health insurance through your employer, while convenient, is also much more expensive than purchasing a plan on the open market (unless of course your employer pays all or most of the premium – then take the free money and purchase the group health plan!). Texas individual health insurance can offer substantially lower premiums versus a Texas group health insurance plan.

Get started saving money on Texas health insurance now!

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