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Texas Health Insurance Reform Timeline

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. 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.

Time Table

March 23, 2010 - Affordable Care Act signed into law by President Obama
October 23, 2010 - Major provisions of ACA become active. Provisions include:
preventative care benefits covered at 100% by the insurance carriers with no deductible applied
guaranteed issue for children coverage, coverage
limitations such as lifetime maximum benefits and annual maximum benefits removed
MLR dictates that 80% of individual coverage premium and 85% of group coverage premium be spent of medical care
dependents can remain on parents', policies until age 26
preexisting condition insurance pool (PCIP) launched by the federal government
July 9, 2012 - Governor Perry announces that Texas will not establish a state sponsored health insurance exchange. Texas will rely on the federal government to implement the exchange in Texas.
August 2012 - Rebates resulting from MLR calculations are mailed to policyholders.
October 1, 2012 - Carriers are required to adopt standardized summary of benefit documents for communications to policyholders.
October 2013 - Plans to be available in the exchange and outside of the exchange will be available to quote for a January 1, 2014 effective date.
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.


Contact Stateside to Discuss Health Reform Options

You can contact Stateside Insurance Services in whichever way is most convenient for you:
Toll Free: (866) 444-3332
Austin Local: (512) 542-9760
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!


In just 15 minutes:

  • - Find the most Tax Credit available
  • - Choose the Best plan for your needs
  • - Apply right over the phone!

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We can help you:

  • -Compare the plan levels and carriers
  • -Make sure you are using the correct income
  • -Choose and finalize plan enrollment
  • -Address membership changes year-round
  • -Payment/membership issues with carrier

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If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040 tax form:

Single Person: $11k - $47k
2 People $16k - $63k
3 People $20k - $79k
4 People $24k - $95k

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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 with demographic information (date of birth, zip code and gender), and a proposal will be sent to you.

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit


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