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Texas Low Income Health Insurance

Texas leads the nation in uninsured residents. More than 23 percent of Texas residents carry no health insurance coverage at all. And, for those who are insured, the quality of coverage falls well below the National Committee for Quality Assurance standards. Even minor illnesses and injuries can cost thousands of dollars to diagnose and treat, and the expense of a serious health condition can be well beyond an average Texas family’s ability to pay.

Having adequate Texas health care coverage is essential, not only to help make sure you and your family receive the health care you might need, but also to protect you financially. For many, the cost of health insurance is the one factor holding them back from obtaining health insurance. Fortunately, in Texas if you are unable to obtain any health coverage, certain federal, state and county health services programs may be able to help.

Services Offered In Texas For Low Income Individuals

Federally Qualified Health Centers (FQHCs) are designated by the federal Bureau of Primary Health Care (BPHC) to provide comprehensive primary health, oral, and mental health/substance abuse services to all individuals regardless of their ability to pay. FQHCs charge for services based on a person’s income as a percentage of Federal Poverty Index Guidelines.

Community Health Services are other provider groups, often affiliated with city or county assistance programs, that strive to meet the health care needs of the uninsured and underinsured. Texas has many community health centers, check your area to see if there is one in your town. Prescription drug assistance is also available from a variety of companies and organizations.

If you are a Texas resident then prescription drug assistance may be available to you, helping to defer the cost of medicine and other related medical costs. Medicaid coverage is available to low-income families in Texas with children, pregnant women, the medically needy, the elderly, and persons with disabilities.

Low-income children in TX are also eligible for the Children’s Health Insurance Program (CHIP), which offers medical services for free or subsidized fees.

The state also offers a Texas Breast and Cervical Cancer Control Program for women needing screening tests.

How To Find Cheap Texas Health Insurance

It is estimated that nearly one in four Texans don’t have health coverage. Many people forego health insurance because of the cost or because they have not considered the financial risk of going uncovered. Others go uninsured because they have existing health conditions that can make finding coverage difficult and more costly. Whatever your individual situation, there is a good chance you can find coverage that will meet your needs at a price you can afford.

Insurers use different standards to decide who they will cover – if you keep shopping, you may find one that will accept you. In addition, there are numerous state, federal, and non-profit programs working to provide insurance and low-cost health care services to Texans in need or those who don’t otherwise qualify for private health insurance. Just because you don’t think your income will let you purchase health insurance, be sure you exhaust all the different services Texas has to offer to low income individuals before you make that decision.

Use our free quote shopping service to compare Texas rate quotes from multiple health insurance companies side by side. Get a free Texas health insurance quote comparison now!

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