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Texas health insurance quotes  Texas Health Reform Center

Texas Health Reform

Health care reform was passed and signed into law by President Obama on March 23, 2010. Promulgation of rules and regulations began immediately with the first wave of rules taking effect October 1, 2010. Health care reform will continue to take shape with the next important date being January 1, 2014, when systemic changes to health care will take place.

 

January 1, 2014 - Texas consumers will have four plan options in the individual and family markets, whether the coverage is purchased within the exchange or outside the exchange. The four plans will be designated platinum, gold, silver and bronze. There will be a lower priced plan targeting young adults.

 

Individuals who can afford health insurance will be required to obtain basic coverage or pay a tax. Exemptions will be available if affordable coverage is not available.

 

Individuals with incomes between 100% and 400% of the federal poverty line will be eligible for tax credits. Financial assistance will be available for individuals who are not eligible for other coverage.  The tax credit can be paid in advance to lower premium payments each month.

Individuals may also be eligible a reduction in co-pays, co-insurance and policy deductibles..

 

Pre-existing conditions will no longer affect an individual's ability to secure coverage. Health insurance policies will be classified as guaranteed issue - an applicant cannot be declined based on health history or condition.

 

Health insurance policies will not be subject to increased premiums based on health history or gender. Policyholders can only be rated-up for tobacco use and age, which is limited to be no more than three times the lowest premium available for young adults. Important aspects of guaranteed issue that have not been finalized involve the establishment of an enrollment period to minimize adverse selection and the actual premiums for policies that must accept all levels of risk.

 

Waiting period for enrollment in employer sponsored plans limited to no more than 90 days.

 

Tax levied on health insurance companies based on the amount of premium volume.

 

Non-grandfathered plans (those plans with effective dates prior to March 2010) subject to additional standards, including limits on out-of-pocket maximums, provider nondiscrimination, and coverage of routine medical costs of clinical trial participants.

Stateside monitors the constant changes in health insurance and will continue to update Texas consumers on how these changes will affect their insurance buying decision.

 

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Contact Stateside to Discuss Tax Credits Available to You

You can contact Stateside Insurance Services in whichever way is most convenient for you:

www.texasplans.com
Toll Free: (866) 444-3332
Austin Local: (512) 542-9760
Email: info@texasplans.com 
Toll Free Fax: (800) 349-2730

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2 People $16k - $63k
3 People $20k - $79k
4 People $24k - $95k

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