[et_pb_section fb_built=”1″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”]
Finding the Best health insurance in Texas for families can be tricky, but we can help. Health insurance protects you before becoming injured. It saves you from having to pay expensive medical bills. Health insurance is sometimes referred to as a health benefit plan. Preventive services, such as wellness visits, vaccinations, and screening exams, are covered by health insurance plans. These services help you maintain good health.
The cost of private health insurance in Texas depends on how much coverage is needed.
Medicare in Texas
Medicare is a federal health care program to help those 65 or older or with a qualifying illness or disability. Medicare is different from Medicaid in that some parts of it cost money. But Medicare plans are usually cheaper than private insurers and provide families with the best health insurance in Texas.
There are three parts to Medicare:
- Part A is your hospital insurance, which will pay for inpatient and outpatient treatment in hospitals and skilled nursing facilities, as well as hospice and some home health care services. It is free and is called premium-free Part A.
- Part B: This is your health insurance. It pays for some doctor visits, cares outside of the hospital, necessary medical supplies, and preventive services.
- Part C is your coverage for prescription drugs, such as vaccines and other drugs. Again, the cost will depend on the plan you choose.
There are some limits to this Medicare coverage, so read the policy before signing up for benefits.
There are some limits to this Medicare coverage, so read the policy before signing up for benefits.
Texas Medicaid
Medicaid is free, so it is the least expensive choice for eligible residents. However, since Texas hasn’t expanded Medicaid, you can only get this coverage if you m
eet the requirements set by Texas. Usually, to be eligible, you must come from a very low-income family, have low-income children, be pregnant, or have a disability.
What are the benefits of health insurance in Texas?
The Texas Department of Insurance (TDI) helps Texans intelligently decide on their health insurance.
Health insurance helps protect you before you get hurt or sick.
With health insurance, you don’t have to worry about paying for expensive medical care if you get hurt or sick.
A health benefit plan is another name for health insurance. Plans that cover health care costs also pay for preventive services like checkups, shots, and screenings. These services help you stay healthy and keep health problems from coming up in the future.
Affordable health insurance
People who don’t have much or any money can get help from federal and state programs.
There are options in government programs for health insurance and benefits for:
- Children’s Medicaid or Children’s Health Insurance Program helps pay for health care for kids and women who are pregnant.
- Medicaid helps adults who might not be able to pay for private coverage.
- Medicare covers most adults over 65 and people with disabilities.
Choices for health insurance
You can get the best health insurance in Texas for families by:
- If your employer has health insurance, ask them about it. COBRA lets you stay on the plan if you lose your job.
- A membership, a union, or a church
- A company or person who sells insurance
- The market for health care
- Your parents plan until age 26.
- Your spouse’s plan
- If your college or university has a health plan for students,
- Government programs
Cheapest Health Insurance in Texas by metal tier
The tier of coverage that you select will determine which plan in Texas offers the best health insurance for families.
At this time, the levels of metal tiers in Texas are as follows:
- Catastrophic
- Bronze
- Expanded Bronze
- Silver
- Gold
The monthly premiums for plans named after more valuable metals are higher, but these plans have lower out-of-pocket costs and deductibles. The following is a list of the average monthly premiums for each level of coverage in Texas:
- Catastrophic is $319 per month
- Bronze is $380 per month
- Expanded Bronze is $408 per month
- Silver is $495 per month
- Gold is $587 per month
You can save money on monthly premiums by choosing a cheaper tier if you’re generally healthy.
Cheapest Health Insurance in Texas by Age and Metal Tier
Your monthly health insurance payment goes up as you get older. You can choose a plan with a low deductible, like a Bronze plan, that costs less per month. However, you’ll pay more out-of-pocket if your medical costs are high.
High out-of-pocket maximums and the cheapest health insurance in Texas
Younger people with low medical costs may choose a plan with lower premiums but higher out-of-pocket costs. If you go this route, keep in mind that you’ll pay more out of pocket if you have high medical expenses or an unexpected medical emergency.
The Friday Catastrophic plan from Friday Health Plans is the cheapest one with the most out-of-pocket costs in Texas. For a 26-year-old, this plan costs an average of $209 per month.
[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]
