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Best Cheap Health Insurance in Texas

Are you a native Texan who is wondering how to get health insurance that’s cheap and offers good coverage? If so, you will want to check out our best choices for affordable health insurance in Texas. We have researched to help you find the best affordable health insurance in Texas to fit a variety of needs and budgets, so you have the coverage when illness or injury strikes.

The Best Cheap Private Health Insurance Companies in Texas

• Best Overall in Texas: Scott&White Health Plan
• Most Affordable in Texas: Aetna
• Best for HMO Plans: Community First Health Plans
• Best for PPO Plans: Humana
• Best for Prenatal Care: Cigna

Average Cost of Health Insurance Plans in Texas

Residents of Texas pay an average of $440 per month in coverage. Health insurance does not have the same long list of discounts like auto insurance or homeowner’s insurance, but there are, however, some things you can do to help keep your health insurance costs low:

• Maintain a Healthy Body Mass Index (BMI)

A high BMI can cause chronic conditions as well as diabetes, high blood pressure, and heart disease. Eat right and frequently exercise to help lower your BMI and lose weight.

• Quit using Tobacco

16% of persons in Texas smoke. Smokers pay higher health insurance costs. Do not start smoking, and if you do, take steps to quit.

• Your age will impact your costs

Younger persons tend to have fewer health issues and pay less than those who are older. You cannot do anything to change your age so take steps to improve your overall health. It’ll ensure that you will pay less over time for your insurance when you do have to see a doctor or specialist.

Types of Health Insurance Plans in Texas

There are numerous types of health insurance plans in Texas. Here are the most popular:

• Health maintenance organization (HMO)

An HMO is a network of specialists, doctors, and hospitals that have agreed to receive certain rates to help streamline medical treatment and simplify expenses. You will select a primary physician who is responsible for your overall care. You’ll require to get a referral from your primary care physician, and the specialist must be part of the HMO network if you need to see a specialist. There’s very little paperwork to deal with as part of an HMO, and the costs are some of the lowest available from health insurance companies.

• Preferred provider organization (PPO)

A PPO is the same as an HMO because there’s a predefined provider network. You will save more money by staying in the network, but you also have the ability to see providers outside of the PPO network, although the cost is higher. You don’t have a primary physician with a PPO, and you do not require a referral to see a specialist.

You will need to do more paperwork, mainly if you go outside the medical care network or treatment. You will have to file a claim with the PPO to be reimbursed for some of the expenses. The amount you will be reimbursed differs depending on the health insurance plan, so be sure to ask the provider about what you can expect your out-of-pocket costs to be with different options.

• Point of Service (POS) Plan

A POS health insurance plan combines facets of an HMO and PPO. You pay the cost upfront at your physician or hospital and are then reimbursed by the POS provider. This kind of health care plan results in the greatest freedom to see any doctor or visit any hospital you like, and there is no referral necessary to see a specialist.

References and Resources

• Factors Affecting Health Insurance Costs
• Point of Service Health Insurance Plans