For many Texans, they obtain their health insurance through their employer. But for those who don't, where to and how to buy Texas Health Insurance can be a bit of a misunderstood process. People wonder about where, how, when, and through whom they can get their health insurance policy. Here is our comprehensive guide to help you navigate the waters of purchasing individual health insurance in the state of Texas.
When Can I Buy Texas Health Insurance?
Open Enrollment for ACA Exchange health insurance policies happens during November and December for the following calendar year. BUT! You can also enroll in those same policies throughout the year if you meet the correct criteria of a Qualifying Life Event.
The better news for Texans is that they can also enroll in other health insurance plans that fall outside the ACA Exchange throughout the year. That means that you can still have access to affordable care even if it's not Open Enrollment, which is a big misconception.
Where Can I Buy Texas Health Insurance?
Texans have many options for securing the health insurance policies that they desperately want and need. Here is a list of places that you can purchase your coverage.
- www.healthcare.gov also known as the ACA Exchange
- Purchase from other websites such as the carrier directly
- Work with an agent or broker
- Purchase a Health Sharing Plan
If you have serious pre-existing conditions like cancer, HIV, or a stroke we highly recommend going straight to the ACA Exchange. Those policies were created specifically with those conditions in mind. Many of the alternative Health Insurance Policies and different Health Share Plans are affected by pre-existing conditions, so it's important to know if you will even be covered by the policy that you could potentially select.
What we recommend in most other cases is to work with a knowledgeable independent insurance agent or broker. These trained professionals can help you navigate the landscape which many describe as confusing. This allows you to get the coverage you need and want in the best manner.
Can Some One Help Me Buy Texas Health Insurance?
Working with an agent or broker is definitely recommended. Insurance For Texans recommends working with an agent who is independent and not tied to a single solution. This allows for fair comparisons and looking out for your best interest. The agents at Insurance For Texans user our five questions to ask your health insurance agent to help you choose a plan that works for you and your family. It's important to find someone who acts as a fiduciary so that you can know that your best interests are being addressed. While we may not be the right fit for everyone,
What Is The Best Company To Buy Texas Health Insurance From?
This is a question that comes up frequently and does not have a great answer unfortunately. The big national players in health insurance all work across Texas with a few exceptions. Your present health conditions along with previous things that you have been treated for will impact which company is right for you as well. Here are some key factors to consider when looking at a Health Insurance company to choose.
- Type of Plan (HMO vs PPO vs EPO)
- ACA Compliant (Will they cover Pre-Existing conditions)
- Network of Available Physicians, Clinics, Care Centers, and Hospitals
- Nationwide or Statewide Coverage?
The major companies all have stories about claim and coverage experiences that range from low-budget horror flicks up to concierge service. It's more important to make sure that you understand if any specific needs or physicians will be inside their scope of coverage.
As we roll into Open Enrollment, Insurance For Texans is here to help you find the right plan for your family. Schedule a time to talk today with one of our agents to determine your best course of action.