As the second most populous state and only trumped in size by California, the Lone Star State is a very diverse part of the U.S. Travel from Houston to San Antonio and you’ll see two very different cities. Move from Austin to Dallas and you’ll find a different crowd. But, no matter where you go, everyone needs Texas health insurance.
For such a large state, you can expect that health statistics are going to be worse than other smaller states due to the sheer number of people, but according to the United Health Foundation, Texas needs to address some serious health issues.
Texas Health Insurance Quotes and Facts
Out of all 50 states, Texas was ranked as the 40th healthiest states, placing it in the bottom 10 states. While they have a low rate of smoking and cancer deaths, there are challenges which include a high rate of infectious disease, many children in poverty and a high uninsured population as well as a large percentage of people that don’t get physical activity and are obese.
If a percentage of the population is living in poverty, it’s only natural to assume that this is where the majority of the uninsured are concentrated. Making ends meet to pay your bills is hard enough, but having to pay for health insurance each month makes things much harder.
But, the fight for insurance doesn’t just plague those living in poverty. Many small business owners and young adults find themselves without insurance due to the fact that individual health plans are extremely expensive. Even if you aren’t obese and live a fairly healthy lifestyle, what happens if you get into an accident? Health insurance is meant to protect you, but finding a plan that meets your needs and is affordable can be hard. Use our quote comparison tool to shop for policies that are available within your area.
Texas Medical Insurance Statistics
Examining certain aspects of Texas medical insurance statistics can help you get an idea of just how much health insurance really costs.
Consider the following statistics about health care coverage in Texas:
- Total Texas Residents – 25,340,000
- Texas uninsured residents – 24%
- Total Texas HMO enrollment – 3,293,520
- Average annual employee premium in Texas employer-sponsored plan (after employer contribution): $999
- Average Texas hospital cost per inpatient day (before insurance) – $1,943
Source data according to the Kaiser Family Foundation:
- Total Number of Residents, states (2010-2011), U.S. (2011)
- Health Insurance Coverage of the Total Population, states (2010-2011), U.S. (2011)
- Total HMO Enrollment, July 2011
- Average Single Premium per Enrolled Employee For Employer-Based Health Insurance, 2011
- Hospital Adjusted Expenses per Inpatient Day, 2010
Texas state government health insurance resources
- Texas Department of Insurance: This website gives you everything you need to know about Texas health insurance.
- Texas Health Options: One of the best ways to find affordable health insurance is to know what your options are. This website helps you understand the many ways to get health insurance.
- Healthy Texas: This website provides health insurance options for those that run or work for a small business.
- Texas Health Insurance Pool: This site provides information for low income individuals looking for health insurance as well as state COBRA information.
- Texas Medicaid Program: This website provides information on Medicaid eligibility rules and the associated benefits.
The Cost of a Texas Health Insurance Quote
The search for insurance can be frustrating, but if you’re persistent, finding affordable insurance is possible. Unfortunately, many times that can mean choosing health insruance that costs less versus providing the best benefits. While finding insurance may sound akin to being stuck in the desert without water, it’s not as hard as some would have you think to find insurance. All it takes is some preparation and professional help. Using our quote comparison tool, you can easily locate Texas health insurance policies in your area. There are some things you should be aware of first.
Texas has the highest uninsured rate in the entire United States. That doesn’t fare well on your premiums, because it costs money to take care of those who aren’t insured. In 2014, the Affordable Care Act will make it illegal to be uninsured. Without insurance, you’ll pay a penalty which will only increase in the coming years. The goal of the ACA is to lower health insurance prices and provide tax subsidies to those that quality so that obtaining affordable health insurance is easier. Until then, you can shop for affordable insurance policies using our site tools that enable you to compare and contrast health plans for you and your family.
One of the main problems Texas has with health insurance is accessibility. Let us help you find Texas health insurance that works for your area and provides affordable healthcare. Find reliable insurance with professional help.