Affordable Health Insurance Texas

The need of affordable health insurance in Texas is great

. It was found out that one among four residents of Texas is without insurance. Though there are lots of benefits that Texans would enjoy through the healthcare reforms steered by the Obama Government, still, it makes sense to know how to get affordable health insurance in Texas depending on various requirements and needs.

Though the most affordable health insurance in Texas would be through an employer, where the employer pays a major portion of the premium, yet there are consumers who are not employed and have different occupations. The needs and requirements of health insurance vary from person to person and it makes sense to consider them independently before buying any particular health insurance policy in Texas.

Some questions that consumers need to ask from themselves before looking to buy health insurance in Texas:

1.I lost my job and the health insurance also, what next?

COBRA could be a very good option for such consumers. Consumers can enroll within 60 days after they lose their job. The coverage provided through COBRA is for 18 months but under certain circumstances, consumers can get coverage for 29 months.

2.I lost health insurance due to divorce/widowhood. What next?

During such situations, COBRA could be a good option as it allows the consumers to continue for 36 months. The consumers need to enroll themselves within 60 days after the loss of their dependent status.

3.I am an early retiree, what are the options?

If you are an early retiree and your pension benefit is paid by the federal Pension Benefits Guaranty Corporation, you can receive help with 65 percent of the cost of health insurance until you are eligible for Medicare.

4.I have a medical condition, what are my options?

People in Texas with medical condition have three options for getting affordable health insurance: Medicare, Medicaid/TexCare and the Texas Health Insurance Risk Pool. These programs have different requirements and conditions which consumers can find by logging on their website or calling the departments. Are you looking for health insurance but unable to get it through your job?

With these questions answered, consumer in Texas can think to buy an affordable health insurance policy based on their individual status and occupation. It makes sense to check with multiple providers before zeroing down to a particular health insurance policy.

by: Shaun Mike

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