Texas Health insurance should be easy. Get the help and benefits you deserve today.
Texas Health insurance should be easy. Get the help and benefits you deserve today.
Although Texas does have many disparities in its health care, there is plenty of insurance to cover it. Texas has many great benefits and policies such as CHIP (Children's Health Insurance Program) and the ability to purchase a short term policy from the point where previous employer coverage ends to where your new job's coverage begins. However, despite all these great benefits many people in Texas are walking around without health insurance. If Texas rates 50 when it comes to lack of insurance, then why does it rate 16 in cancer deaths and 19 in poor mental health days? It is obvious that there is a dark side to Texas health insurance and its market, but the question is does it overshadow the good.
There are many drawbacks to purchasing insurance. Price is one of them. Texas Health Insurance premiums have increased by 91.6 % since 2000. If asked about the increase in premiums, many insurance companies will tell you that the increases are due to losses that are occurring because of health care reform. Because so many companies are losing a significant amount of money, they are closing down. All these closures allow less competition within the insurance market leaving a few Texan insurance companies left to monopolize. These companies can charge as much as they want and accept or deny as many as people as they want.
The current state of the economy is also a contributor. Thousands of people are losing their jobs. Most people obtained their Texas health insurance through their employers. Once that coverage is gone, many people are not aware of the other options available to them. They are unaware that they can purchase short term policies, individual and family policies, or qualify to COBRA. Education is key, and not many insurance companies are going out of their way to let consumers know they can be covered. In addition, many people cannot afford the increase in health insurance premiums, so many are going without it. Although most would like to, insurance companies cannot accommodate everyone.
Healthcare reform is sure to change the market. Some say for the better, others say for the worse. No matter what your opinion is on healthcare reform or the Texas health insurance market, health care is an important and highly debatable topic. Everyone should explore health insurance options, be it through it government assistance or a private plan. Knowledge is power and everyone should try their best to obtain it.
We, having been in the induvidual market since 1993 offer selections from all the top rated carriers along with a selection of both Texas Doctor Co-Pay Plans and High Deductible HSA plans. Another benefit or working with us is that the monthly premium you pay when dealing with a broker or agent is the exact same as when you go direct through the company, as per state law. We will assist in selecting the correct plan that fits your family needs and assist in the day to day operation of your policy.
