Texas Health Insurance
Residents in the Lone Star state of Texas will find there is a multitude of health insurance plans to choose from and wide choice of insurance companies. With a lot of health plan options, you can find a policy that fits your health and budget needs.
To learn about Texas health insurance rules, regulations, and laws read the information below. You can also view some of the biggest health insurance companies in the state and read about the state’s public health insurance programs.
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Texas Health Insurance Stats
Total Texas Residents: 25,339,900
Median Annual Household Income: $49,195
Texas Health Care Expenditures (in millions): $146,735
Households with at least 1 Full Time Worker: 12,037,700
Texas Health Insurance Coverage based on Total Population:
- Employer: 45%
- Individual: 4%
- Medicaid: 16%
- Medicare: 10%
- Uninsured: 24%
Avg. Monthly Texas Individual Premiums: NA
Total Texas HMO Enrollment: 3,293,520
Want more information about cities in Texas? View information on:
There are different Texas health insurance laws and regulations that protect and guarantee certain health coverage.
Under Texas health insurance law, insurance companies in the state may not require an exclusion period for a pre-existing health condition for any HMO health plan. Other kinds of plans may require an exclusion period or an elimination rider.
Texas health insurance companies are allowed to consider pregnancy a pre-existing condition.
State law also requires Texas health insurance companies to offer at least one plan that covers certain medical services, including:
- Screening for breast, colorectal, prostate, cervical, and HPV cancer
- Coverage for certain diabetes treatment
- Continuity of care for pregnant women
- Newborn hearing screening
- Children's vaccinations
Individual Texas health insurance policies are guaranteed renewable in the state, which means insurers cannot cancel a policyholders plan because they become sick.
Texas health insurance law also allows grandparents to keep dependent grandchildren on their health plans until they turn 25 years old.
And like all American citizens and legal residents, Texas residents are protected by the federal health insurance laws, HIPAA and COBRA. Group Texas health insurance is also guaranteed to be issued for groups of 2 to 50 people.
This federal-and state-funded program provides health insurance coverage for some low-income residents of Texas. For more information on the Texas Medicaid program, visit their website at http://www.hhsc.state.tx.us/medicaid/index.html
- TexCare CHIP
Texas' Children's Health Insurance Program, TexCare CHIP, provides health insurance for children who do not qualify for Medicaid coverage but are unable to afford a private plan. To learn more about this children's Texas health insurance program, visit their website.
- Texas Health Insurance Risk Pool
Texas residents with pre-existing health conditions that cannot find a health plan may qualify for coverage in the Texas Health Insurance Risk Pool. For more info, visit http://www.txhealthpool.org/
- Texas Breast and Cervical Cancer Control Program
This program offers some women who have been diagnosed with breast or cervical cancer full health insurance benefits through Medicaid. To learn more about this women's Texas health insurance program, visit http://www.dshs.state.tx.us/bcccs/.
- Texas Medicare
Seniors who are eligible for Texas health insurance can find coverage through Medicare Advantage, Supplement or Original Medicare. Around 47,000 Texas residents may also benefit from Medicare Rx and community attendant services for dual eligible residents.
- HealthyTexas Program
A new program called HealthyTexas is a statewide program for small business owners and employees. The program helps low income, small business workers who need Texas health insurance. Visit http://www.healthytexasonline.com for more information about this health insurance program.
Texas residents may also be able to get financial assistance in buying a health plan through the Federal Health Coverage Tax Credit. To see if you qualify for the health insurance tax credit, visit the Internal Revenue Service (IRS) online.
The Patient Protection and Affordable Care Act established national high risk pools to provide people with pre-existing conditions health insurance.
The Pre-Existing Condition Insurance Plan (PCIP) in Texas will be administered by the federal government and is not a public problem. Texas enrollees will have to pay monthly premiums and out-of-pocket costs like normal Texas health insurance plans.
PCIP enrollees will pay around the same amount that Texas residents without pre-existing conditions pay on the private health insurance market. Texas enrollees will have to pay a $2,500 deductible for covered benefits before the health insurance benefits kick in. There is also a $25 copayment for doctor visits and a copayment for prescription drugs.
Texas residents are eligible for enrollment in the Texas PCIP if they are a United States citizen, have been without insurance for six months and been denied health insurance coverage because of a medical condition.
For more information on the Texas health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer Texas health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Click here to view Aetna Health Insurance in Texas
Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.
Click here to view AetnaAARP Health Insurance in Texas
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Click here to view Assurant Health Health Insurance in Texas
BCBS of Texas provides affordable, comprehensive health protection exclusively for residents of Texas.
Click here to view Blue Cross and Blue Shield of Texas Health Insurance in Texas
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Click here to view Celtic Health Insurance in Texas
CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.
Click here to view Cigna Health Insurance in Texas
Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. They have been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.
Click here to view Companion Life Insurance Company Health Insurance in Texas
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Click here to view Golden Rule Health Insurance in Texas
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Click here to view Great American Health Insurance in Texas
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Click here to view Humana Health Insurance in Texas
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Click here to view John Alden Health Insurance in Texas
Scott & White launched in January 1982 and has grown to cover 200,000 members in 50 counties in Central Texas. Their mission is to provide the most personalized, comprehensive, quality health care available.
Click here to view Scott and White Health Insurance in Texas
Started in 1978, IAC offers management services to large companies who self-insure.
Click here to view Standard Security Life Health Insurance in Texas
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Click here to view Time Insurance Health Insurance in Texas
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Click here to view Time Short Term Health Insurance in Texas
Unicare is a member of the WellPoint family serving over 55 million Americans. They provide customized health insurance solutions for a diverse array of needs.
Click here to view Unicare Health Insurance in Texas
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
Click here to view UnitedHealthOne Health Insurance in Texas
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Click here to view WorldIns ExpressMed Health Insurance in Texas
Find the contact Information for the Texas health insurance and health departments at:
P.O. Box 149104
Austin , TX 78714-9104
Phone: (512) 463-6169
1100 West 49th Street
Austin , TX 78756
Phone: (888) 963-7111