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Texas Affordable Health Insurance

It may often seem that the health insurance plans in Texas that are affordable do not have all of the benefits that you and your family need while on the other hand the policies that have a wide array of benefits are too much of a stretch for your budget. This is not always the case as there are many top health insurance companies in TX that have developed plans that are designed to have lower costs and also offer top notch coverage.

The Texas health insurance market is very competitive. Use this to your advantage when searching for health insurance in Texas that is both affordable and comprehensive.

View affordable TX health plans side by side from top insurance companies by requesting free Texas health insurance quotes (usually takes less than 30 seconds)!

How To Find Affordable Health Insurance In Texas

If you are like an increasing number of folks in TX these days, you may be looking for Texas affordable health insurance.  Guaranteed health benefits with employment is a thing of the past.  Group rates are averaging at a very minimum around $350 per month and $4,000-$5,000 per year.  Can you still find affordable health insurance? Texas residents can, if you know where to look and what to look for.

Although individual policies are generally less expensive, one still has to be creative in order to save on expensive premiums.  Government programs are expanding to meet the needs of so many Americans who are without any insurance at all.

Here are some recommendation on how to find health insurance in Texas that is both affordable and practice.

Texas Affordable Health Insurance For Children

Children are and should be our first priority in taking care of our families.  If the family is lacking health care, government and/or community based options are available:

  • Project Access – Community based programs for those who are not eligible for CHIP or Medicaid, but who can not afford Texas health insurance on the open market.
  • CHIP – “Children Health Insurance Program”; Government sponsored health care program for kids.
  • Medicaid – Program for those who are under 200% of the poverty level.

Many community based programs and non-profit programs are available after prequalification guidelines are met. Texas is among those states requesting to reform Medicaid eligibility to expand the guidelines and lessen the amount of children living without health care.  Texas is also among the states with the largest number of children without health care.  

Texas Affordable Maternity Health Insurance

Expectant mothers have enough to worry about without worrying about prenatal care and delivery costs.  It is important for expectant mothers to receive prenatal care at the onset of pregnancy and throughout.  If insurance is not available there are other options for expectant mothers in TX:

  • Maternity Card – For a small monthly fee, all prenatal, delivery, and post pregnancy care is covered under this plan.
  • Medicaid – Government Assisted program for those who qualify.
  • W.I.C. – Women and Infant Children is another government program.
  • Maternity Advantage – Nationwide program for expectant mothers

 

As with children, expectant mothers in Texas have community and non-profit based options as well.

Texas Affordable Health Insurance For Individuals With Pre-Existing Conditions 

Texans with preexisting conditions have a tough time finding Texas affordable health insurance.  If with a group in a large or medium sized business, more than likely they are covered.  If they leave or are laid off that job, they may be eligible for COBRA benefits.  If they comply with obtaining insurance within that 63 day window, the HIPAA (Health Insurance Portability and Accountability Act) protects them from being denied benefits.

There are some companies who will take the risk at a higher premium.  If you are affiliated with a business, that business may be eligible for a Health Savings Account (HSA) which will allow for tax free contributions for labs, x-rays, and other auxiliary charges.  Government sponsored programs won’t have preexisting condition restrictions.   

Texas Affordable Health Insurance For Retirees

Retirees can use Texas affordable health insurance as well.  Although most that are of retirement age have pensions because they worked during an era when pensions were expected and administered after 20 to 30 years of service to the company.  Seven months before retirement to include 90 days before their 65th birthday, Texans may initiate retirement and apply for benefits.

The retiree is automatically enrolled in Medicare part A, but part B is associated with the pension plan in place.  Medicare part D involves a prescription drug plan.  These benefits may not be enough for the retiree.  In this case supplemental and short-term plans may be a good choice. 

Texas Affordable Health Insurance For Pets 

Who can forget Poochie, the family pet?  Insurance may be needed for them as well.  Pet insurance can be obtained for:

  • Dogs
  • Cats
  • Horses
  • Rabbits
  • Exotic Pets

Many people find it to be necessary and affordable.  Many major carriers now offer pet insurance in addition to health insurance for the family.

Quotes can be obtained for pets just like for people. Talk to your TX health insurance agent and see if they offer any pet health insurance quotes.

Compare Affordable Texas Health Insurance Quotes Online Now!

If you would like to get quotes from top providers for Texas affordable health insurance, click on the quote tool at the top of this page right now.

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Find Texas health insurance today!

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