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Health Insurance in Texas: Options for Every Budget in 2023

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Health insurance in texas is an important aspect of healthcare, providing financial protection against the high costs of medical treatment. In Texas, there are several options available for obtaining health insurance, including through an employer, a membership or union, an insurance company or agent, the health marketplace, a parent’s plan until age 26, a spouse’s plan, a college or university student health plan, or government programs.

Understanding Health Insurance Options in Texas

The Texas Department of Insurance (TDI) helps Texans make informed decisions about their health insurance. They provide information on how to find the right type of health insurance for you and your family. Health insurance protects you before you get hurt or sick.

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If you get hurt or sick and need to go to the doctor, health insurance texas protects you from paying high medical bills. Health insurance is also called a health benefit plan. Health benefit plans cover preventative services like wellness visits, shots, and screening tests. These services help you stay healthy and avoid future health problems.

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Affordable Health Insurance in Texas

Federal and State programs help people with limited or no money. Government health insurance and benefit programs have options for children and pregnant women through the Children’s Medicaid or Children’s Health Insurance Program (CHIP), adults who may not be able to afford private coverage through Medicaid, and most adults over age 65 and people with disabilities through Medicare.

Health Insurance in Texas

Alternative health plans can help save money but may limit health coverage. If you do not have health insurance, you can contact your local community health center for assistance. These centers provide high quality, low-cost health care on a sliding fee scale to individuals and their families regardless of age, health, insurance, or immigration status1.

Buying Your Own Health Insurance in Texas

Insurance you buy from a company or the marketplace is individual insurance. It’s sold to individuals, not to members of a certain group. You can buy individual coverage through an insurance company or health maintenance organization (HMO), a licensed health insurance agent who has a relationship with one or more insurance companies, Healthcare.gov (the online federal health insurance Marketplace), the Plan Finder on Healthcare.gov for individuals and small businesses, or a Navigator approved to help with Marketplace enrollment.

FAQ

How does the Texas Department of Insurance (TDI) help Texans with their health insurance?

The TDI helps Texans make informed decisions about their health insurance by providing information on how to find the right type of health insurance for them and their family1

What are some government programs that provide affordable health insurance in Texas?

Some government programs that provide affordable health insurance in Texas include Children’s Medicaid or Children’s Health Insurance Program (CHIP) for children and pregnant women, Medicaid for adults who may not be able to afford private coverage, and Medicare for most adults over age 65 and people with disabilities1.

How can I buy my own individual health insurance in Texas?

You can buy individual health insurance in Texas through an insurance company or HMO, a licensed health insurance agent who has a relationship with one or more insurance companies, Healthcare.gov (the online federal health insurance Marketplace), the Plan Finder on Healthcare.gov for individuals and small businesses, or a Navigator approved to help with Marketplace enrollment1.

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