2021 Texas Health Insurance - Affordable Health Plans

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2021 Texas Health Insurance

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.

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Why You Should Have Texas Medical Insurance

Whenever you find yourself in a tight spot, it helps to know that you will be covered if the need arises. Insurance can apply to a number of problems, but health insurance is the most important of all. Your health is everything. As of 2019, Texas, along with many other states, no longer requires you to have health insurance through the Health Care Exchange, also known as Obamacare.
Whenever you find yourself in a tight spot, it helps to know that you will be covered if the need arises. Insurance can apply to a number of problems, but health insurance is the most important of all. Your health is everything. As of 2019, Texas, along with many other states, no longer requires you to have health insurance through the Health Care Exchange, also known as Obamacare.

Our Clinical Services

Other things that are covered by major medical plans, individual, and small group plans in Texas include:
Maternity and newborn care, as well as substance abuse services, are provided to you with individual policies. Group policies, however, do not offer such coverage.
You may be required to provide proof to have some services granted to you for free. For example, you may need to receive approval from your health insurer’s network before undergoing surgery for it to be covered.

Types of Health Plans in Texas

There are four main categories of major medical plans available in the Lone Star state. Those types include:

Generally the least expensive of all plans. You are required to use providers within the HMO network, and if you don’t you must cover the full cost on your own. Some emergencies are an exception. One doctor, your primary care physician, is chosen to oversee your healthcare, and they must give you a referral to see a specialist.
Usually the most expensive type of health insurance plan. Visit any doctor you choose but cover certain out-of-pocket expenses. If you use a doctor in the PPO network, the cost is lower. Since you do not choose a primary care physician, you do not need referrals.
You must use the providers within the network. However, EPOs do not require you to select a primary care physician.
Similar to PPO plans, you can choose whichever doctor you wish, but you do not pay as much when using a doctor in the network. You will need a primary care physician and will need referrals to visit specialists. Women are not required to get a referral for the OB/GYN.
Texas is one of the states that utilizes the Health Insurance Marketplace, but there are many other comparison websites out there to help you narrow your choices.

What You Need To Know About Texas Health Insurance

As with most states, Texas follows a standard when it comes to medical insurance:
You cannot be denied health insurance coverage or be charged more for any existing disability or health condition. Quotes are based on your age, location, tobacco use, and whether you are buying individual health insurance or coverage for your entire family.
Insurance companies are not allowed at any time to put a limit on the amount they will pay towards your covered health care.
Texas has TDI, the Texas Department of Insurance, where you can file complaints against an insurer or policy when necessary.
Texas law states that children can remain on their parents’ plan until 26 years old. These children do not have to be enrolled in school or living at home, but they need to be claimed as a dependent on tax returns. Texas also requires insurers to provide coverage for grandchildren that are dependent until 25 years of age.
In terms of short-term health insurance, Texas has regulations. Such coverage can last up to 364 days and be renewed for a 36-month duration.
Additionally, the latest healthcare-related reform bill to be passed—SB1264—has been designed to protect Texans who are enrolled in state-regulated health insurance plans (not self-insured) from any surprise balance billing. This new law applies to medical services given on or after January 1, 2020. Surprise balance billing is defined as scenarios where emergency care was provided by an out-of-network office or when a patient is not treated by a provider within the network.

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.

Part-time employees generally have even less options from their employer. If you are working less than 40 hours a week, you will have to find and enroll in a policy of your own choosing. Similarly, health insurance for self employed persons requires that either the freelancer or independent contractor use a spouse’s health insurance or they find their own.

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.

The only other time you can buy is if you lose your health insurance coverage or experience a major life change, such as marriage or divorce, adopting a child, or having a baby.
During open enrollment or signing up after a life change, you are given 31 days to figure out whether the policy is right for you. Then, you wait for another 90 days for the coverage to begin. If you are joining through your employer’s policy, then you will have to wait until open enrollment between November and December to add or drop or change your coverage.
According to the Half-Time report from eHealth, the current monthly cost of 2020 health insurance coverage in Texas for an individual was around $456 (compared to $477 at 2019 open enrollment). For family health insurance, it is around $1,134 a month (compared to $1,154 in 2019). This means premiums in 2020 for individuals is around 4 percent less than it was in 2019. We anticipate this trend to continue for 2021 open enrollment.

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.

However, because it is still early to know just how costs may rise or fall as a result of the global pandemic, it is highly recommended that you shop for Texas individual health plans or another kind of policy as soon as possible. That will help you plan for the future and be ready to claim a policy during open enrollment quickly.
Look into 2021 health insurance quotes today by using our website. You can compare Texas medical insurance plans from several providers to see which one is best for you or your family.

Keep Yourself and Your Family Protected

Don’t wait. Start researching and shopping around for health insurance quotes today. In doing so, you will know what you have to pay and will be able to budget accordingly. Be sure to utilize the resources available to you, including the federal marketplace and comparison websites. When you look at several quotes and can compare coverage side-by-side, you will get a better picture of how you will be protected throughout 2021, and you can decide whether you want to switch your primary care physician or visit someone new.

Compare Texas health plans today! Enter your zip code to find the most affordable plans for you that fits your needs.

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