Texas Health Insurance

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Texas Health Insurance

Health insurance nowadays generally comes in two broad categories: individual and group. Individual insurance seekers are mostly self-employed, or are employed by a company that does not offer a health plan, or those who own a family and require individual insurance for their family members. When you purchase an individual policy, you are required to pay a yearly premium as well as a deductible for each insured dependent, up to a base amount. If you opt for a group policy instead, you must pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurer begins paying for your legitimate medical bills.

Texas laws do not allow insurers to deny you individual health coverage due to a health problem. The state requires individual insurers to offer Consumer Choice Benefit Plans which cost less. If you have a pre-existing condition, and your insurance is not through an HMO, you may be faced with exclusion periods. Insurers can attach an elimination rider to the policy or can need an exclusion period of not more than a year for the condition. If you make any claim in the first two years of coverage, your insurer then can review your health records for the last five years before your application. If one exists, the company can refuse to pay the claim. Pregnancy in Texas can be considered a pre-existing condition, but genetic information cannot. You qualify for creditable coverage if you have had unbroken coverage of more than 63 days with a group, government, or church plan in your immediate past. Your insurance cannot be cancelled due to your illness.

In Texas, group health insurers cannot refuse insurance to qualified persons because of a health problem, nor can they be charged more than others in their group. If you join a new company, your new employer can seek a waiting period to offer group coverage. In case you have group insurance through your small business employer, he/she must also include your spouse and dependents in the coverage. Newborn, adopted, grand, and disabled children are given special considerations in the state. Except for HMOs, group insurers are entitled to review your health records for the six months before new coverage. They can seek an exclusion period of not more than 12 months. If you have had continuous coverage of your pre-existing condition, with no break of more than 63 days, you get creditable coverage.

Small businesses with two to 50 employees cannot be refused small group health insurance and cannot be cancelled either due to sickness within the insured group. Texas also imposes limits on the cost of the premiums for businesses with less than 50 employees. A small business with two to 50 employees can join a statewide and approved purchasing alliance for group health insurance coverage. Interested parties can contact the Texas Department of Insurance for clarification. Self-employed persons cannot purchase small group health insurance.

Texas Health Insurance Risk Pool, Medicaid, Texcare Chip, and Breast and Cervical Cancer Control Program are the programs that assist Texas residents.

As selection of the right quotes is difficult, you should do a bit of homework before making your final choice. Professional health insurance agents and brokers can be of great help to you in this regard.

Among the main health insurance providers in Texas are Aetna, American Medical Security, BlueCross BlueShield of Texas, Celtic, Fairmont Specialty Group, Fortis, Golden Rule, Guardian, Humana, PacifiCare, Security Life and UNICARE.

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To find US News rankings of a Texas Health Insurance Plan, Click the logo:

An annual guide is provided by US News to what it considers the best health insurance plan(s) in each state. Click through the pages on a Texas health insurance plan or Texas medical insurance plan to view specific reports or click on following links:

You can contact your Texas-elected officials about health care issues:

On national level

On state level

Specific Texas Information on Federal Government sites

Texas population statistics from the US Census Bureau, 2000 Census.

Health insurance can be purchased in these Texas Counties: Anderson, Andrews, Angelina, Aransas, Archer, Armstrong, Atascosa, Austin, Bailey, Bandera , Bastrop , Baylor , Bee, Bell, Bexar, Blanco, Borden, Bosque, Bowie, Brazoria, Brazos, Brewster, Briscoe, Brooks , Brown , Burleson, Burnet , Caldwell , Calhoun, Callahan , Cameron , Camp, Carson, Cass , Castro , Chambers, Cherokee, Childress, Clay, Cochran, Coke, Coleman, Collin, Collingsworth , Colorado, Comal, Comanche , Concho, Cooke, Coryell, Cottle, Crane, Crockett, Crosby, Culberson, Dallam, Dallas, Dawson, Deaf Smith , Delta , Denton, DeWitt, Dickens , Dimmit, Donley , Duval , Eastland, Ector, Edwards , Ellis , El Paso , Erath , Falls , Fannin , Fayette, Fisher, Floyd , Foard, Fort Bend, Franklin, Freestone , Frio, Gaines , Galveston, Garza, Gillespie , Glasscock, Goliad, Gonzales, Gray, Grayson, Gregg, Grimes , Guadalupe, Hale, Hall, Hamilton, Hansford, Hardeman , Hardin, Harris, Harrison, Hartley, Haskell, Hays, Hemphill , Henderson, Hidalgo, Hill , Hockley, Hood, Hopkins, Houston, Howard, Hudspeth, Hunt, Hutchinson , Irion, Jack, Jackson, Jasper, Jeff Davis , Jefferson, Jim Hogg , Jim Wells, Johnson, Jones , Karnes, Kaufman, Kendall, Kenedy , Kent, Kerr, Kimble, King , Kinney, Kleberg, Knox, Lamar , Lamb , Lampasas, La Salle , Lavaca, Lee, Leon, Liberty, Limestone, Lipscomb, Live Oak , Llano, Loving, Lubbock, Lynn, McCulloch, McLennan, McMullen , Madison, Marion, Martin , Mason, Matagorda, Maverick, Medina , Menard, Midland, Milam, Mills , Mitchell , Montague , Montgomery, Moore, Morris , Motley, Nacogdoches, Navarro, Newton, Nolan, Nueces, Ochiltree, Oldham, Orange, Palo Pinto , Panola, Parker, Parmer, Pecos, Polk, Potter, Presidio, Rains, Randall, Reagan, Real, Red River , Reeves , Refugio , Roberts, Robertson, Rockwall, Runnels, Rusk, Sabine , San Augustine , San Jacinto , San Patricio, San Saba, Schleicher, Scurry , Shackelford, Shelby, Sherman, Smith, Somervell , Starr, Stephens, Sterling, Stonewall, Sutton, Swisher, Tarrant, Taylor, Terrell, Terry, Throckmorton, Titus, Tom Green , Travis, Trinity, Tyler , Upshur, Upton, Uvalde, Val Verde , Van Zandt , Victoria, Walker, Waller, Ward, Washington, Webb, Wharton , Wheeler , Wichita, Wilbarger, Willacy, Williamson, Wilson , Winkler, Wise, Wood, Yoakum, Young, Zapata and Zavala.

Health insurance can be purchased from various cities in Texas: Abbott, Abilene, Addison, Alamo, Alamo Heights, Albany, Alice, Allen, Alpine, Alvarado, Alvin, Amarillo, Ames, Anahuac, Anderson Mill, Andrews, Angleton, Aransas Pass, Archer City, Argyle, Arlington, Athens, Atlanta, Austin, the state capital, Austwell, Avery, Azle, Bailey's Prairie, Baird, Balch Springs, Ballinger, Barrett, Bartonville, Bastrop, Bay City, Baytown, Beach City, Beaumont, Bedford, Bee Cave, Beeville, Bellaire, Bellmead, Bellville, Belton, Benbrook, Big Lake, Big Sandy, Big Spring, Blue Ridge, Boerne, Bogata, Bolivar Peninsula, Bonham, Booker, Borger, Breckenridge, Bremond, Brenham, Bridge City, Bridgeport, Brookshire, Brookside Village, Brownsville, Brownwood, Bryan, Buda, Buffalo, Bulverde, Burkburnett, Burleson, Burnet, Caldwell, Calvert, Cameron, Camp Wood, Canadian, Canton, Canyon, Carrollton, Carthage, Castroville, Cedar Hill, Cedar Park, Centerville, Chappell Hill, Chillicothe, Christoval, Cibolo, Cisco, Clear Lake, Cleburne, Cleveland, Clifton, Clute, Clyde, Cockrell Hill, Coldspring, College Station, Colleyville, Colony, Columbus, Comanche, Combine, Comfort, Commerce, Conroe, Converse, Coolidge, Coppell, Copperas Cove, Copper Canyon, Corinth, Corpus Christi, Corsicana, Cove, Crane, Crosby, Cross Plains, Crowell, Crowley, Crystal Beach, Cuero, Cumings, Cut and Shoot, Daingerfield, Daisetta, Dalhart, Dallas, Danbury, Dayton, Dayton Lakes, De Leon, Decatur, Deer Park, Del Rio, Denison, Denton, Denver City, DeSoto, Detroit, Devers, Dickinson, Donna, Dripping Springs, Dublin, Dumas, Duncanville, Eagle Pass, Eden, Eola, Early, Eastland, Edinburg, El Campo, El Paso, Eldorado, Electra, Elgin, Elysian Fields, Emory, Ennis, Euless, Fairfield, Farmers Branch, Farmersville, Farwell, Flatonia, Flower Mound, Forney, Fort Davis, Fort Stockton, Fort Worth, Franklin, Fredericksburg, Freeport, Friendswood, Frisco, Fritch, Fulshear, Gainesville, Galveston, Garden Ridge, Garland, Gatesville, Georgetown, Giddings, Gilmer, Glenn Heights, Glen Rose, Goliad, Gonzales, Gordon, Graham, Granbury, Grand Prairie, Grape Creek, Grapeland, Grapevine, Hale Center, Hallettsville, Hallsville, Haltom City, Hamilton, Hardin, Harker Heights, Harleton, Harlingen, Harriett, Haskell, Hearne, Hempstead, Hewitt, Hico, Hidalgo, Highland Village, Highlands, Hill Country Village, Hillsboro, Hilshire Village, Hondo, Houston, Huntsville, Hurst, Independence, Ingleside on the Bay, Iowa Park, Irving, Jacksboro, Jacksonville, Jamaica Beach, Jasper, Jefferson, Jewett, Johnson City, Junction, Karnack, Katy, Keller, Kemah, Kenefick, Kennedale, Kerens, Kerrville, Kilgore, Killeen, Kingwood, Krum, Kyle, La Marque, La Porte, Lacy-Lakeview, LaGrange, Lake Brownwood, Lake Dallas, Lake Jackson, Lakeway, Lampasas, Lancaster, Laredo, League City, Leander, Leon Valley, Leonard, Levelland, Lewisville, Lindale, Littlefield, Live Oak, Livingston, Lockhart, Longview, Lorenzo, Los Fresnos, Lubbock, Lucas, Lufkin, Lumberton, Mansfield, Marble Falls, Marlin, Marshall, Mason, Mathis, McAllen, McGregor, McKinney, Menard, Merkel, Mesquite, Mexia, Midland, Miles, Millersview, Mineola, Mission, Missouri City, Monahans, Mont Belvieu, Moody, Morgan's Point, Moulton, Mount Pleasant, Murphy, Nacogdoches, Nassau Bay, Neiderwald, Nesbitt, New Boston, New Braunfels, North Cleveland, North Richland Hills, Oak Point, Odessa, Old River-Winfree, Onalaska, Orange, Overton, Paint Rock, Palestine, Pampa, Paris, Parker, Pasadena, Pearland, Pecos, Perryton, Pflugerville, Pharr, Pittsburg, Plainview, Plano, Plum Grove, Ponder, Port Aransas, Port Arthur, Port Lavaca, Portland, Post, Presidio, Prosper, Quanah, Ranger, Ravenna, Red Oak, Reno, Richardson, Richland, Riesel, Rising Star, River Oaks, Roanoke, Robinson, Rockwall, Rosenberg, Round Rock, Round Top, Rowena, Rowlett, Rusk, Sachse, Saginaw, Salado, San Angelo, San Antonio, San Benito, San Marcos, San Saba, Sanctuary, Sanderson, Sanger, Santa Anna, Santa Fe, Savoy, Schertz, Scottsville, Scurry, Seabrook, Seagoville, Sealy, Seguin, Seymour, Shamrock, Shavano Park, Shenandoah, Sheldon, Sherman, Shiner, Shoreacres, Silsbee, Slaton, Smithville, Snyder, Somerville, Sonora, Sour Lake, South Padre Island, Southlake, Spearman, Spring Valley, Springtown, Spur, Stephenville, Stowell, Sugar Land, Sunnyvale, Sweetwater, Tahoka, Taylor, Teague, Temple, Terrell, Texarkana, Texas City, The Colony, The Woodlands, Tiki Island, Timpson, Tioga, Tom Bean, Tomball, Trophy Club, Troup, Turkey, Tyler, Uncertain, Universal City, University Park, Utopia, Van Alstyne, Van Horn, Venus, Vernon, Victoria, Vidor, Vernon, Waco, Waskom, Watauga, Waxahachie, Weatherford, Webster, Weslaco, West Columbia, West Lake Hills, West Orange, West University Place, Westlake, Wheeler, White Oak, White Settlement, Whitehouse, Wichita Falls, Willow Park, Wimberley, Windrest, Winnie, Winters, Wolfe City, Woodlawn, Woodway, Wortham, Wylie and Yoakum.

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