Texas Health Insurance
As a resident of Texas, you have plenty of Texas health insurance options to choose from. There are multiple insurance companies in Texas that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Texas. See some of the state’s top health insurance companies and read about the important Texas health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Texas health insurance programs.
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If you would like to get free quotes and compare Texas health insurance plans now, start with our simple form on the right.
Resources on this page
Texas Health Insurance Companies
Texas Health Insurance Laws and Regulations
Public Health Insurance Programs for Texas Residents
Texas Health Insurance High Risk Pools
Contact Info for the Texas Department of Insurance and Health
The following list of companies offer health insurance plans in Texas:
Unicare Health Insurance
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.
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Blue Cross and Blue Shield of Texas Health Insurance
BCBS of Texas provides affordable, comprehensive health protection exclusively for residents of Texas.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Humana Health Insurance
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
World Insurance - Brokerage Health Insurance
World Insurance - Brokerage is a leading provider of affordable health insurance options. Their plans provide comprehensive coverage and access to an extensive network of doctors and hospitals.
John Alden Health Insurance
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.
Aetna Health Insurance
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.
WorldIns - ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Golden Rule Platinum Health Insurance
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
CIGNA Health Insurance
CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.
Time Short Term Health Insurance
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.
Great American Health Insurance
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
AetnaAARP Health Insurance
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.
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Health Insurance Laws and Regulations In Texas
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.
Texas Public Health Insurance Programs
- Medicaid
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.
Texas Health Insurance High Risk Pools
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.
Texas Department of Insurance and Health
Find the contact Information for the Texas health insurance and health departments at:
Texas Department of Insurance
P.O. Box 149104
Austin, TX 78714-9104
Phone: (512) 463-6169
http://www.tdi.state.tx.us/
Texas Department of State Health Services
1100 West 49th Street
Austin, TX 78756
Phone: (888) 963-7111
http://www.dshs.state.tx.us/
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