Insurance For Texans Blog

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Can Texas Teachers Decline Their School District Health Plan?

Posted by Ron Wadley on Jul 9, 2026 8:00:00 AM
Short Answer: Yes, teachers can absolutely decline their school district's health insurance plan. Just remember to explore your other options and ...

Topics: health insurance, teacher

Can Texas Teachers Buy Separate Health Insurance for Their Dependents?

Posted by Kevin Hall on Jul 8, 2026 8:00:00 AM
Short Answer: One of the biggest misconceptions Texas teachers have is believing their entire family has to be covered under the school district's ...

Topics: health insurance, teacher

How Can Abilene Teachers Reduce Out-of-Pocket Health Costs?

Posted by Kevin Hall on Jul 7, 2026 8:00:00 AM
What is a supplemental health plan? A supplemental health plan works with your primary health insurance to help pay covered out-of-pocket expenses ...

Topics: health insurance, teacher

Can Texas Teachers Get A PPO Health Plan Outside The School District?

Posted by Ron Wadley on Jul 6, 2026 8:30:00 AM
Short Answer: Yes. Texas teachers are not required to enroll in their school district's health insurance plan. Many educators choose to compare ...

Topics: health insurance, teacher

Is Catastrophic Health Insurance an Alternative to TRS-ActiveCare?

Posted by Ron Wadley on Jul 3, 2026 7:00:00 AM
Catastrophic health insurance is designed to protect you from the large medical bills that come with serious accidents, hospital stays, surgeries, ...

Topics: health insurance, catastrophic health coverage, teacher

Is It Worth the Risk for Texas Teachers to Skip Health Insurance?

Posted by Kevin Hall on Jul 2, 2026 8:30:00 AM
Short Answer: For most Texas teachers, the answer is no. Going without health insurance may reduce your monthly expenses, but it also leaves you ...

Topics: health insurance, teacher

Can Texas Teachers Get ACA Subsidies for Their Families?

Posted by Kevin Hall on Jun 30, 2026 10:23:14 AM
What is an ACA Subsidy? An ACA subsidy is a premium tax credit or simply financial help that lowers the monthly premium for a Health Insurance ...

Topics: health insurance, teacher

Life Moves Pretty Fast, But Insurance Planning Helps You Look Around

Posted by Ron Wadley on May 17, 2026 10:37:16 AM
One of my all time favorite movies is Ferris Bueller's Day Off. It is a brilliant coming of age story that was released as I was coming of age. I ...

Topics: health insurance, life insurance, long-term care policy

What Is A Special Enrollment Period For Health Insurance?

Posted by Kevin Hall on Jan 21, 2026 4:33:46 PM
Key Takeaways You Cannot Buy Insurance Just Because You Want It The health insurance marketplace is not Amazon. You cannot sign up just because you ...

Topics: health insurance, ACA, ACA Alternatives, open enrollment

How Can Texans Get Health Insurance Now That Open Enrollment Is Over?

Posted by Kevin Hall on Jan 16, 2026 12:39:05 PM
Key Takeaways Missing the ACA Open Enrollment deadline does not mean Texans are out of health insurance options, but it does require immediate action ...

Topics: health insurance, ACA Alternatives, open enrollment