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2021 Texas Health Insurance
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Texas has some of the highest health insurance enrollments in the whole country, meaning that the cost of health insurance, be it for the self-employed, unemployed, or whole family, is competitively priced. Prices have decreased, as well. This means that you should not wait to enroll and receive coverage.
Having the correct Texas Health Insurance policy for you and your family will make an incredible difference in your physical, mental, and emotional health. Plus, you get peace of mind knowing that you are covered in the event of a medical emergency.
If you are looking to compare Texas health plans, keep reading. We have everything you need to know about health insurance in Texas.
Why You Should Have Texas Medical Insurance
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Types of Health Plans in Texas
There are four main categories of major medical plans available in the Lone Star state. Those types include:
What You Need To Know About Texas Health Insurance
Unemployed, Part-Time, and Self-Employed
In Texas, in the event that you lose your job, you could be eligible to continue coverage through your current employer’s health insurance through the Consolidated Omnibus Budget Reconciliation Act (COBRA). This program allows you to keep your coverage. Unfortunately, while good in practice, COBRA plans tend to be extremely expensive for the average consumer. You will be able to find cheaper health insurance for unemployed individuals through the Marketplace or by using comparison tools that search through hundreds of providers.
Differences Between 2020 Open Enrollment and 2021
The 2021 Texas Open Enrollment begins in November, same as every year. However, as you shop around for health insurance for 2021, you may notice that things are a little different. You can sign up for the official marketplace at HealthCare.gov to see if you qualify for any cost assistance. If you miss open enrollment between November 1 to December 15, 2020, then you have only a few options, including short term health insurance and employer-based coverage.
Group health insurance plans are another great alternative. Such options are cost-effective—and becoming more so in today’s market. According to another eHealth study from 2018, the average premium for a group health policy was around $409 per month with an average deductible of $3140 annually, which is a huge savings when compared to the individual plan deductible of $4578.