When it comes to health insurance, Texas has the highest percentage of uninsured residents in the nation. For many that can mean that basic health care needs are out of reach. Health premiums are high, and finding affordable health insurance can be a seemingly impossible task.
But it's not impossible at all.
While it may be difficult to find cheap health care plans, there are still affordable options available, and netQuote is here to help you find them. When you submit a request through our website, we will work to help you find a health insurance company that can provide the right plan for you and your family. We take several factors into consideration, including the size of your household, your income level, and any health care needs specific to your family.
A Quick Look at the Numbers for Health Insurance in Texas
In 2016, 15 percent of Texas residents were uninsured, the highest of any state. Of those who did have insurance, just under half (49 percent) had access to health insurance through their employers. Another 16 percent received their health insurance through Medicaid, and 11 percent through Medicare. The remaining population had insurance either independently, without being part of a group plan (6 percent) or from some other public entity (2 percent).
For those 15 percent who are uninsured, as well as the insured looking for better plans, netQuote is focused on helping to find the best plans available. Each individual has different health care needs, as well as specific budgets. We focus on helping our users find the best medical insurance Texas has to offer while keeping each user's particular needs in mind.
Texas Healthcare Rankings
According to The Commonwealth Fund, Texas is ranked last in the nation in regards to adult access to health insurance for adults (23 percent uninsured). It fares better, but only slightly, in the number of children who are insured at No. 48, with 10 percent of children going uninsured (the national average of 5 percent). Texas does significantly better, however, when it comes to adults who have an age-appropriate level of vaccinations. At 41 percent the state comes in at No. 20 in the nation.
At netQuote the goal is to improve these numbers by helping users find accessible, affordable Texas health insurance plans. Our staff experts are dedicated to making the process of finding affordable insurance in Texas simpler by guiding users though the process of finding insurance quotes.
Different Plans for Different Needs
Every person’s health care needs are different. A family with children may care more about lowering their out-of-pocket maximum due to the high number of medical needs that often come with kids. A single person in the peak of health, meanwhile, may be more interested in keeping premiums low, because even on an off year, there’s a smaller chance that they will even reach their deductible.
And a person with diabetes may have the most interest in finding a policy that covers pharmaceutical expenses with a lower deductible, so that they are better able to afford costly medications.
Users of netQuote have access to a variety of plans to match their specific needs. We can connect you with several insurance companies with a range of Texas health insurance plans targeted to fit your requirements and budget.
What is the penalty for not having health insurance?
The Affordable Care Act, more popularly known as “Obamacare,” requires everyone to have “qualifying health coverage.” What this means is that to avoid paying a penalty, people need to have a qualifying health insurance plan. Examples of non-qualifying plans are those that only cover vision or dental care, apply to a specific disease or other medical condition, and offer discounts for medical services. More information on this can be found at healthcare.gov.
For those who don’t meet the requirements, there is a $695 fee per adult, as well as a $347.50 fee for each child that doesn’t qualify. This fee cannot exceed $2,085 per family, or 2.5 percent of the family’s income, above the tax-filing threshold — whichever is greater.
How to Find Texas Health Insurance Using netQuote
Finding affordable insurance in Texas, or any other state for that matter, starts with soliciting health insurance quotes. The best company for an individual health plan with high deductibles may not be the best company for a family health plan with limited out-of-pocket expenses. Likewise, it's a good idea to talk about particular policy details (HMO vs. PPO, co-pays vs. co-insurance, etc.) with several different health insurance agents to make sure you have a handle on exactly what you're buying. To access the right plan for you, all you need to do is fill out our online form. You will need to provide some basic information about yourself and your family, including your age, household size and general health information. Once you complete the form, we will be in touch to match you with a plan that best suits your needs.