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Affordable Texas health insurance  Texas health reform   Cost Concerns

Texas Health Insurance Cost Is Always a Factor

"Do you have a more expensive policy I can look at?"

We've never heard a Texas consumer say that.  Premium cost has always been a major factor in choosing an appropriate health insurance policy. The steady increase in premiums over time was one of the major reasons the Affordable Care Act (ACA) was signed into law.  ACA was billed as the best way to slow the increase in health insurance premiums, provide more stability to health insurance costs, and simultaneously increase benefits and coverage for almost everyone, including Texans.

In the past, some Texas consumers did not secure health insurance coverage for one of two reasons:

(1)   Preexisting condition, which limited benefits

(2)   High premium cost that the consumer could not justify

Beginning in 2014, there will be solutions for both camps.

New Premium-Reducing Options Available January 1, 2014

Each state will have a marketplace that will provide health insurance coverage for the individuals living within that state.  Texas will have an operating marketplace by October 1, 2013, which will be run by the federal government.  Texas government leaders made the decision to allow the federal government to set-up the marketplace, thus making the success of the marketplace a federal government responsibility.

The Texas marketplace is where consumers will access the federal advanced tax credit that will used to offset anticipated higher premium costs.  Beginning on January 1, 2014, depending on an individual or family's household income, a large amount of the monthly premium could be paid by the federal government through the advanced tax credit.

It is anticipated that with the introduction of guaranteed issue coverage (for individuals with preexisting conditions and other concerns) and mandated benefits ( including comprehensive maternity and substance use services), Texas consumers will witness a higher percentage increase than other states such as California, which has offered the expanded benefits for some time. For this reason, the subsidy will be even more important. Do you qualify?

ACA brings with it significant change - new marketplaces, new health insurance plan terminology, changes in premium costs, new federal subsidies, and more. Let us help you make sense of it.

Contact Stateside for Plan Options

If you have any questions on benefits, premiums, or plan options, call us. We are here to help you get the best coverage at the most competitive rate with the least amount of hassle - all free of charge to you. Let us walk you through the various plan options in Texas.

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

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

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