Do you qualify for a federal subsidy? Get low-cost plans that provide quality benefits. Lone Star State premiums are very low with the help of instant tax credits.
Utilize large instant tax credits that can reduce your 2018 Texas healthcare premiums by hundreds of dollars each month. It could also pay ALL of your premium! Depending on your FPL (Federal Poverty Level) ratio, a premium of $1,000 per month could reduce to less than $100. We review all single, family, and small business plans (through SHOP Exchange) so you can quickly determine which options are your best choices. Early-retired persons and the self-employed can also find many low-cost options. you can customize coverage to match your specific health and budget needs.
Student, HSA and comprehensive plans are available, and there are many affordable options offered by the largest carriers. Many different combinations of deductibles, copays and maximum out-of-pocket expense limits are offered. Silver-tier plans with "cost-sharing" can dramatically reduce deductibles, copays, and maximum out-of-pocket expenses. Bronze-tier contracts are the least expensive, but generally have deductibles of $7,000 and higher. Platinum-tier plans have the lowest maximum out-of-pocket expenses (MOP), but are the most expensive policies.
Senior Medicare Supplement plans in Texas are very popular for persons that have reached age 65. Medigap coverage can potentially reduce many out-of-pocket expenses, and Advantage contracts frequently include prescription drug coverage. Supplement plans are standardized, and a low-cost high-deductible Plan F option is offered. Once the deductible is met, 100% of covered expenses are paid.
Popular low-cost TX health insurance plans (under age 65) include:
Blue Cross Blue Shield of Texas Blue Advantage Plus Silver
Blue Cross Blue Shield of Texas Blue Advantage Bronze HMO
Blue Cross Blue Shield of Texas Blue Advantage Plus Bronze
Blue Cross Blue Shield of Texas Blue Cross Blue Shield Basic
Blue Cross Blue Shield of Texas Blue Advantage Silver HMO
Ambetter Balanced Care 10
Ambetter Balanced Care 3
CHRISTUS Health Plan CHP TX Bronze
Community Health Choice HMO Bronze 003
Humana Bronze 6550/Waco HMOx
Molina Marketplace Silver Plan
Oscar Insurance Company of Texas Market Bronze
Sendero IdealCare Essential
Prominence Bronze 10
Pre-existing conditions are covered during Open Enrollment and you can not be denied for medical reasons. There are four available "Metal" tiers along with a special low-cost catastrophic option. However, to qualify for a catastrophic plan, you must be under age 30 or be able to prove financial hardship. NOTE: Often, Bronze-tier policies are more cost-effective. Gold and Platinum-tier options may be the best choices if you need an expensive surgery to be performed within the next 12 months.
After Open Enrollment ends, you can still find affordable plan options for a single person or family. Plans are available in Houston, Dallas, San Antonio, Laredo, Austin, Katy, and all ares of the state. Depending on your zip code, some carriers may not offer plans in your area. Also, the network of physicians, specialists, and hospitals may vary from one company to another. Comparing multiple plans is now quicker and easier than ever before. And, if you decide to enroll, the application is shorter and the process is also much more streamlined. In less than 20 minutes, often you can enroll online. With more than 35 years of experience, we specialize in shopping, comparing and finding quality healthcare plans at the lowest available prices.
A helpful resource for many TX residents is the Department of Insurance. Many topics are included on their web page including rate increases, mediation, understanding networks, carrier safety, and descriptions of plans. And of course, premium increase requests are also considered by the Department.
The Affordable Care Act is saving Texas residents on their health insurance every day. Let us show you how cheap a policy from a top-rated carrier can be. Get a quote in less than one minute and apply for coverage online. Several of the carriers offering on or off-Marketplace plans in 2017 include AAmbetter, Blue Cross Blue Shield of Texas, CHRISTUS Health, Community Health Choice, Humana, Molina, Oscar, Prominence Health First, Sendero, Oscar, and SHA, LLC DBA FirstCare Health.
Your online quotes are free. Simply click on our secure link below, provide your zip code and answer a few questions. There is no cost or obligation!
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