An estimated 4.4 million Texans don’t have health insurance. That’s not all; if the American Health Care Act (AHCA) will replace the ACA, the number of uninsured is set to reach 7 million, according to the Center for American Progress.
The good news is that Texans have several options to choose from if they wish to purchase Texas health insurance. The state offers several Medicaid programs with different eligibility requirements, and you can also obtain health insurance from the private marketplace or from your employer.
Employer-Sponsored & Small Business Health Insurance Texas
This is certainly one of the more convenient ways to get health insurance for employees. It’s also more affordable than private insurance as the employer pays for part of the monthly premiums.
You won’t lose your coverage if you lose work hours or if you lose your job altogether. The COBRA program allows you to pay for the premiums yourself to maintain your health insurance coverage. This program allows you to extend the coverage for up to 18 months, which should be sufficient time for you to obtain new health insurance to replace your previous employer-sponsored insurance.
If you run your own business, you may also want to consider offering health benefits for your employees. You only need to have another employee other than yourself to qualify. While the larger companies offer insurance to avoid tax penalties, as a small business owner you can gain tax credits if you do something similar. In addition, you can attract more qualified applicants for your open job positions and your current workplace can enjoy a boost in morale and productivity.
Private Health Insurance in Texas
The official exchange for health insurance plans for Texans are available at the Healthcare.gov website. You can contact us at HealthQuoteInfo to help make sense of the plans available from the eight insurers who offer plans at the Texas exchange. These plans do allow for government subsidies so that you can enjoy tax credits of you purchase plans from the official exchange.
Other plans may be available for Texans outside the exchange, and they also contain the essential benefits mandated by the ACA.
These on- and off-exchange plans aren’t available in every county, so you need to find which plans are available for your location. You can easily do that simply by using our search bar. Just enter your zip code, and you’ll get the health plans you can choose from to suit the needs of your family.
Medicaid & Low Income Health Insurance Texas
Medicaid is the program run by the states to help provide people with low income, and sometimes with special needs. In Texas, this also means that applicants must be US citizens or legal immigrants.
CHIP stands for the Children’s Health Insurance Program, which provides coverage for children whose family earnings exceed the Medicaid income ceiling requirements.
For children in Texas who is part of a family of four, the income ceiling is a yearly income (before taxes) of $33,383. With CHIP, this ceiling is raised to $50,451 for a family of four. The coverage includes special health services for children, including dentist visits for cleaning and fillings, eye exams and eyeglasses, and vaccine along with prescription drugs.
Medicaid can also enroll the parent or parents of at least one child in Medicaid, if that child lives with the parent. Caretakers must be related to the child. The income ceilings depend of the household is a one-parent or a two-parent family.
A 1-parent household can qualify starting with a monthly income ceiling of just $103. This is raised to $196 for a family of two, and $230 per month for a family of 3. A two-parent household qualifies the parent starting with a $161 monthly income maximum. This becomes $251 for a family of three and $285 for a family of four.
Medicaid for Low-Income Pregnant Women
This covers doctor visits, labor and delivery, medicines ordered by the doctor, hospital care, and rides to the doctor. It also even includes eyeglasses. The coverage lasts up to 2 months after the delivery.
However, there are income limits to qualify. For just the single pregnant lady, the maximum income per month is $2,004. It’s $2,716 for a family of 2 and $3,429 for a family of 3.
Medicaid for Breast and Cervical Cancer (MBCC)
This program offers full Medicaid coverage as well as coverage for the cancer treatments. The women in this program can also receive a service coordinator nurse to find the people to provide for their health care needs, a primary care provider, and unlimited prescriptions.
Community First Choice
This is the program for those with an institutional level of care, and it is available for current Medicaid beneficiaries (or those who are eligible for any Medicaid program). The applicants should need help with various daily living tasks, such as eating, bathing, and dressing.
The services help with the daily living tasks with hands-on assistance. It also helps with health-related tasks such as helping the beneficiary take their medicine at the right time.
If you have any special health care coverage needs or any questions about Texas health insurance, please get in touch with us here at HealthQuoteInfo. We’re always happy to answer any questions you may have.
Texas Open Enrollment 2019 & Texas Obamacare Insurance
The Texas Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Texas, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.