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Affordable Texas health insurance  Texas health reform   Under 30 in Texas

If you are under 30, why bother with Texas health insurance?

Did you know that beginning January 1, 2014, you will be subject to a penalty tax if you do not enroll in a qualified health plan? The Affordable Care Act (ACA) mandates participation in health insurance (with a few exceptions), as the only way of making it affordable for insurance carriers to offer guaranteed issue coverage to anyone and everyone.

What is "Guaranteed Issue"?

"Guaranteed issue" means that regardless of your health history or current conditions, you are guaranteed to receive health insurance with no restrictions or waiting periods related to preexisting conditions.

How can insurance companies afford to provide coverage to everyone? Young, healthy policyholders who funnel dollars into the system but file very few claims are the key to making it affordable for insurance providers to offer guaranteed issue policies across the board, turning no one away.

Paying for a Policy You Don't Need?

So - if you are a healthy Texas resident under 30 years old with no anticipated healthcare needs, why would you spend your hard-earned paycheck to purchase a product with bells and whistles that far exceed what you need?

There are two reasons: Avoid the penalty tax and take advantage of open enrollment.

What's this tax I might have to pay?

Starting in 2014, individuals who do not enroll in a qualified health insurance plan will pay a tax that is the greater of either $95 per person or 1% of household income. The tax will increase to $325 in 2015 and $695 in 2016. After 2016, the tax will be adjusted for cost of living.

This penalty is intended to motivate you to get health insurance, which will feed healthy dollars into the system.

But it's glaringly obvious that the amount is not severe enough to encourage a healthy 27-year-old to buy insurance with a premium expected to be anywhere between $3,000 and $4,000 per year! Some subsidies will be in place, but even so, the premium would be far greater than the $95 tax charged in 2014.

I can afford the tax...but can I afford missing my opportunity for coverage?

A $95 tax doesn't seem so bad, but the greatest risk you run in choosing not to purchase coverage is this: when the open enrollment period closes, it's closed for the year, for every insurance company. "Open enrollment" is defined as a set period during which individuals review their coverage options and submit an application for health insurance. ACA established two open enrollment periods.

The first year of ACA will have a pretty lengthy Initial Open Enrollment period running from October 1, 2013 to March 31, 2014. Following the Initial Open Enrollment there will be an open enrollment period each year from October 15th to December 7th.

Open enrollment is just a mechanism to control for individuals waiting until they are sick and then securing health insurance.

You can imagine that if individuals waited until they were sick to seek coverage, the health insurance market would have no healthy premium dollars to cover all the claims. The entire system would crumble.

So if I'm young and healthy, why should I take advantage of the Open Enrollment period?

When this first ACA open enrollment period closes on March 31, 2014, you will be locked out of the insurance market until the next open enrollment period begins on October 15th, when you can sign up for coverage starting January 1, 2015.

In other words, as of April 1, 2014, if you've chosen no plan, you cannot GET a plan for the rest of the year. You will be without coverage from that day until December 31st, no matter what.

What if you have a water skiing accident at the start of summer, or tear your ACL snowboarding in December? What if you are diagnosed with an unexpected but simple condition in September and need some basic medication with no generic option, which will cost you hundreds of dollars out of pocket?

On Your Own

Once open enrollment has closed, those individuals who did not secure coverage will be responsible for all healthcare expenses, including prescriptions, office visits, lab costs, x-rays and hospital expenses.

No copays, no discounted rates - simply paying out of pocket for routine check-ups, illnesses, accidents, and more.

Consider this:

  1. * A broken ankle treated in an ER with x-rays and a short leg cast averages over $1,800.
  2. * A broken leg averages over $7,000.
  3. * Anterior cruciate ligament reconstruction averages over $12,000
  4. * And it can continue to go up, depending on your accident...

You're young. You're active. You're healthy.

But what if you catch a strange bug on that amazing summer trip you've planned, or break your wrist in a minor bike wreck?

Do you want to pay completely out of pocket when the unexpected strikes?

Contact Stateside to Choose Coverage

If you are serious about selecting coverage, or if you simply need to learn more before making a decision, call Stateside Insurance Services. We would love the opportunity to discuss with you all of the options available to Texas residents.
 

Contact Stateside to Discuss Tax Credits Available to Youuu

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

You can run your Health Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 866-444-3332 Today!

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3 People $20k - $79k
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To Get Started

You can get the enrollment process started using any of the following:

Click on the Instant Quote link and provide census information.  Stateside will respond with a proposal that outlines your various plan options with premium cost.

Call (866) 444-3332 (toll free) and speak with a licensed representative regarding your coverage, subsidy and enrollment questions.

Email Stateside at info@texasplans.com with demographic information (date of birth, zip code and gender), and a proposal will be sent to you.

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