The right health insurance policy gives you the peace of mind of knowing that you’ll be able to get healthcare when you need it. But finding the right plan can be tricky and even overwhelming, especially if you start comparing details like plan types, deductibles, and premiums.
That’s why we outlined some of the details that will help you find affordable health insurance in Texas, so you can find the right plan at a price you can afford.
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The average cost of health insurance in Texas is affected by multiple factors, including the plan tier that you choose. Plans are available in Bronze, Silver, Gold, and Platinum tiers. The Bronze tier plans have some of the most affordable premiums, but you’ll usually have a higher deductible. Gold tier plans have more expensive premiums, but lower deductibles.
Average Premium for Health Insurance in Texas | |
Most Affordable Bronze Plan | $306 |
Most Affordable Silver Plan | $415 |
Most Affordable Gold Plan | $403 |
As you shop for health insurance in Texas, consider any employer-sponsored plans that you might qualify for. You can often save money by buying the health insurance plans your employer offers. The average cost of employer-sponsored health insurance in Texas is $1,569 per year.
Other factors will impact your health insurance costs, too, including your age, health status, and the number of dependents who need to be included on your plan. Since costs can vary so significantly, getting a personalized quote will give you the most accurate idea of what you will pay for insurance. To get started, you can get a free health insurance quote from ConsumerCoverage today.
Your insurance costs will also depend on the type of health insurance plan that you choose. We’ve outlined some of the most common types of health insurance in Texas that you might see.
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Texas offers several health insurance plans for low-income individuals.
Texas Medicaid
The Texas Medicaid program offers coverage to those who meet its financial and demographic requirements. Applicants must be age 65 or older, or they must be disabled, blind, a pregnant woman, or caring for a child age 18 and younger. Individuals can make no more than $25,503 per year, and couples can make no more than $34,492.
Children’s Medicaid and CHIP
Children whose families don’t qualify for Medicaid may still be eligible for CHIP coverage, which helps to pay for regular checkups, mental health, hospitalizations, and more. To qualify, an individual can make no more than $2,158 per month, couples can make no more than $2,918 per month, and families of three can make no more than $3,679 per month.
Texas Medicare
The Texas Medicare program is available to those age 65 and older, or to those with a qualifying disability. Original Medicare and Medicare Advantage Plans offer different types of coverage, including covering expenses like home care, doctor’s visits, and prescription medications.
Shopping around and comparing health insurance quotes can help you to find the policy that’s best for your needs at the best price. Get a free, personalized quote from ConsumerCoverage today to find your new health insurance policy.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
