Afford Access to Texas Health Insurance

The ability for Texas residents to afford access to basic Health Insurance Texas continues to play a significant factor in residents’ quality of life and long-term health outcomes. Health Insurance Texas varies from the costs of health insurance in other states. Prior to passage of the Affordable Care Act (ACA), Texas ranked forty-fourth out of fifty states regarding residents’ ability to access reasonably priced Health Insurance Texas. In order to get the best Texas Health Insurance possible, visit https://www.texasquotes.com.

According to America’s Health rankings, the state ranked thirty-first out of fifty states in 2014 in terms of residents’ general health. Texans had a lower prevalence of smoking as more smoking cessation programs raise awareness about the risks of smoking. In contrast, the average Texan’s lower than average physical activity levels and obesity (about 31% of adults) is a public health problem. Before ACA’s passage (upheld in 2015), many Texans could not afford Health Insurance Texas. After the passage of ACA, competition between Health Insurance Texas plans benefited adults and made acquiring individual plans, family plans, dental coverage, vision plans, and more.

Health Insurance Texas and Competitive Markets
Data compiled by the Robert Wood Johnson Foundation in 2014 shows that residents of south Texas counties have less access to health care in general than other counties in the state. East Texas, including Houston and most surrounding counties, also had less overall access to health care last year. Although Texas government opposed the passage of ACA, the foundation predicts that ACA will improve health outcomes for Texans through greater access and improved competition between Health Insurance Texas policy underwriters.

Before the implementation of ACA in Texas, about twenty-seven percent of residents were uninsured. Until ACA, Texas had the highest population of uninsured people in the United States. Unfortunately, Gallup Poll estimates almost one-fourth of Texans are still uninsured. Texas still has the highest amount of uninsured persons in the United States and is one of just three states with a twenty percent plus uninsured populations. The other two states have uninsured populations of approximately twenty percent.
Although approximately nine hundred thousand people enrolled through the health insurance exchange, including Medicaid, CHIP, and private Health Insurance Texas plans in the initial open enrollment period, there are still so many uninsured Texas who need the benefits of Health Insurance Texas.

Because Texas had a larger uninsured number of residents than most states, it is realistic to say that more work is needed to enroll adults and their families in Health Insurance Texas plans. Some people may be able to receive premium subsidies but they must apply for insurance first. According to 2014 data, Health & Human Services said that eighty-four percent of applicants received premium subsidies.

Health Insurance Texas
Eleven carriers currently offer Health Insurance Texas plans via the Texas exchange. In approximately seventy-five percent of Texas counties, the number of carriers is just one or two insurers. In most of the state’s metropolitan areas, three or more carriers are available. Competition of multiple insurers is necessary to drive down the costs of health insurance plans in Texas.

Texas is also one of twenty plus states that have not expanded the Medicaid program. If it does not expand the Medicaid program by 2022, researchers report that it may forfeit almost ten billion dollars in federal funding. For this reason, most researchers say that Texas is likely to expand Medicaid in the near future.

Through April 2015, the healthcare exchange in Texas enrolled more than one hundred forty-one thousand people. The criteria for enrollment are quite strict: adults without disabilities and children are ineligible unless household income is less than approximately three thousand dollars for a three-person family. Because Texas has not yet expanded Medicaid, more than a million people have a coverage gap. They have neither access to health insurance nor premium subsidy assistance.

Conclusion
Prior to passage of ACA, researchers asked if Texas’ population was a “high risk pool”? In other words, Texans might have a larger than average level of pre-existing health conditions that would bar access to health insurance plans.

With ACA, pre-existing health insurance plans do not affect the ability to get health insurance. It is important for Texans to seek application to health insurance programs and to learn what options are available for themselves and their families.