Texas Health Insurance
Affordable TX health insurance options

Texans, Open Enrollment is here, and it is time to research for your affordable (or even FREE!) Texas (TX) health insurance options for next year! 

Due to the COVID-19 pandemic, Affordable Care Act (ACA) subsidies (premium tax credits) were expanded with many of those expansions likely to become permanent within the next year, so now the ACA offers free or heavily discounted health insurance plans to more middle-class folks in Texas than ever before!

 Open Enrollment for the ACA in 2022 is from November 1, 2021 through January 15, 2022!

TrueCoverage provides helpful resources and guidance for selecting cheap health insurance in Texas that meets your specific needs. Remember, the ACA Open Enrollment Period is a short temporary window during which ANYONE can apply for FREE or low-cost health insurance; unless you meet certain specifications to qualify for a Special Enrollment Period later on during the year.

Our easy-to-use search engine combs the U.S. Health Insurance Marketplace to help you select the best Texas Health Insurance coverage to save yourself last-minute headaches. Select from many of the top TX health insurers, such as Blue Cross and Blue Shield of Texas (BCBSTX), Scott and White, Christus, and Cigna.

The TrueCoverage team is here to help folks in Texas by providing preregistration services and finding out the amount of your premium tax credit (health insurance subsidy). TrueCoverage is the health insurance expert for TX residents and will aid you in finding with health coverage packages tailored to cost-sharing reductions for you, your family, or your small business.

Or, if you are more than 65 years old or fast approaching it, TrueCoverage also assists people in Texas in finding the best Medicare Supplements or switching to a Medicare Advantage plan.

Small Business Health Insurance in Texas

If you own a small business in Texas (2 to 50 full-time-equivalent employees (FTEs)), you can purchase qualifying coverage for your employees through the Small Business Health Option Program (SHOP) or, just as with individual plans, through a private insurance broker or insurance agent, such as TrueCoverage. Typical policies are just four to six employees. If you contribute to your employees’ premium costs, you will qualify for business tax credits.

Exploring Affordable Health Insurance in Texas

When looking for the cheapest health insurance in Texas, the first thing you should understand is that policies with the lowest monthly payments (i.e., your monthly insurance premium) might not necessarily be your cheapest or best option in the long run. Texas Health Insurance is more expensive than in most other states and is likely to rise again in 2022. So, it is even more critical to make sure you’re getting the best health insurance advice in TX from TrueCoverage.

The REAL total price of your TX health coverage depends on many variables. Deductibles, co-insurance, and copays increase costs, while discounts such as an insurance subsidy can LOWER your medical expenses. When choosing an ACA plan, every health insurance policy is given a metal tier ranking to assist in choosing the Texas health insurance plan that is right for you.

The TX Health Insurance Marketplace offers cost-sharing reductions (CSR) that are “extra savings” opportunities; discounts that lower the total amount you pay for health insurance deductibles, copayments, and coinsurance.

You can use your premium tax credit for ANY plan in the Metal Tier category. But the Silver plans in Texas are the ONLY plans that receive these “extra savings.” Those using CSRs will also have a lower annual out-of-pocket maximum.  After you reach your out-of-pocket maximum, your insurer covers 100 percent of the covered services.

Key Details About Health Insurance in Texas

• Texas also protects consumers from surprise billing
• Texas is one of the few remaining states which has not expanded Medicaid
• The ACA closed loopholes and mandated that all ACA-qualifying plans in Texas include ten key health services. Before the Affordable Care Act became Federal law in Texas, insurers could refuse to cover various health benefits, resulting in overwhelming medical debt for many in TX.

Exploring the Texas Health Insurance Marketplace

Texas residents can sign up for health insurance using private insurance exchanges. These marketplaces offer a wider variety of TX ACA-compliant health insurance plans.

Through Health Insurance Exchanges like TrueCoverage, Texans can access even more ancillary insurance options like:

• Dental
• Vision
• Accidental Death
• Critical Illness
• Disability
• Life
• Medicare Advantage
• Medicare Supplemental
• And more!

Benefits of Working with a Texas Health Insurance Broker

TrueCoverage is a Certified Enhanced Direct-Enrollment (EDE) Partner of Healthcare.gov, TrueCoverage offers more health insurance plans than any other insurance resource in TX, and our unique technology quickly delivers the best value insurance policies that address your needs.

Like brokers in every state, TrueCoverage operates in TX without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. Our brokers search for health insurance policies that best meet the needs of Texans. TrueCoverage is there for you throughout your health insurance contract. For example, if a dispute arises with your insurer, TrueCoverage steps in to help.

Now, just as we prioritize affordable health insurance, we also recognize the significance of accessible medications. That’s where our discussion leads us to cheap generic Cialis. We understand that individuals may seek affordable options for medications, and we’re here to guide you through the options available, ensuring you make informed choices that suit your healthcare needs. Whether you’re looking for generic alternatives to Cialis or want to explore various cost-saving strategies for prescription drugs, TrueCoverage is your dedicated partner in finding affordable healthcare solutions.

TrueCoverage is familiar with Texas’ unique insurance rules, and we understand the Texas health insurance options from the largest carriers down to the smaller specialty health insurers.

The Top Health Insurance Companies in Texas

Choosing from more than 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have listed the top health insurance companies in TX as gathered by the National Committee for Quality Assurance (NCQA), these ratings use Consumer Satisfaction, Preventive Care, and Medical treatment options to determine the score.

All ACA-compliant and Medicare plans have a star rating based on similar criteria. The NCQA rates these ACA-compliant and Medicare STAR health plans as the BEST health insurance in Texas:

• Blue Cross Blue Shield of Texas (BCBSTX)
• Scott and White
• Christus Health
• Cigna

 NOW is the best time to select the best ACA affordable TX health insurance.

Connect with the health insurance experts at TrueCoverage now to find the best Texas health insurance for you, your family, and your small business.

Open Enrollment for the ACA in 2022 is here from November 1, 2021 through January 15, 2022!