Everything Texans Need to Know About Health Insurance in the Lone Star State

As a Texan, you may have questions about health insurance in the Lone Star State. With so many options and plans available, it can be overwhelming to choose the best one for you and your family. Here is everything you need to know about health insurance in Texas.

1. Marketplace plans

The Marketplace, also known as the Health Insurance Exchange, is where Texans can buy a health insurance plan. Texas uses the federally facilitated Marketplace, so individuals can find and enroll in plans through the Healthcare.gov website. Open enrollment for Marketplace plans occurs annually from November 1 to December 15.

2. Medicaid

Medicaid is a federal-state program that provides healthcare coverage for low-income individuals and families. In Texas, eligibility for Medicaid is based on income and family size. To see if you qualify for Medicaid, you can apply through the Health and Human Services Commission.

3. CHIP

CHIP, also known as the Children’s Health Insurance Program, provides healthcare coverage to low-income children in Texas. The program is funded by the state and federal government and administered by the Health and Human Services Commission. To see if your child is eligible for CHIP, you can apply through the Health and Human Services Commission.

4. Short-term health insurance

Short-term health insurance plans provide temporary coverage for individuals who need health insurance for a short period of time. These plans typically only last a few months and are not required to cover pre-existing conditions. Texas allows short-term health insurance plans up to 12 months in duration.

5. COBRA

COBRA is a federal law that allows individuals who have lost their job or have had a reduction in work hours to keep their employer-sponsored health insurance for a limited time. In Texas, employers with 20 or more employees are required to offer COBRA coverage.

6. Pre-existing conditions

In Texas, health insurance companies are required to cover pre-existing conditions. This means that if you have a medical condition before enrolling in a health insurance plan, the insurance company cannot deny you coverage or charge you more for your condition.

7. Telemedicine

Telemedicine is the practice of treating patients remotely using technology such as video conferencing or other electronic communication. In Texas, health insurance companies are required to cover telemedicine services to the same extent as in-person services.

In conclusion, Texas offers a variety of health insurance options for individuals and families. It is important to research and compare plans to find the one that best fits your needs and budget. Remember to take advantage of open enrollment and apply for any programs you may be eligible for. Stay informed about your healthcare options and ensure you and your family are covered.