Texas does not have a state-level health insurance mandate, and the federal individual mandate penalty has been $0 since 2019. The real “penalty” for letting health insurance lapse between jobs in
Temporary health insurance in Texas is another name for short-term limited-duration insurance (STLDI). It is private, non-ACA coverage that bridges gaps from 30 days to 36 months. Texas state law
Short-term health insurance in Texas does not cover maternity care, prenatal visits, labor, or delivery. A Kaiser Family Foundation review found that 0 of the 24 short-term plans covered maternity. Pregnant
Texans retiring before age 65 need to bridge health insurance before Medicare eligibility. The most flexible path for healthy early retirees is a private PPO or short-term medical plan: you
Missing Open Enrollment in Texas does not lock you out of coverage. You can still enroll in an ACA Marketplace plan if you have a qualifying life event, get year-round
When you turn 26 in Texas, you typically age off your parents’ health insurance at the end of your birthday month. You then have a 60-day Special Enrollment Period to
COBRA continuation is rarely the cheapest health insurance option in Texas. Three viable alternatives are short-term health insurance ($80 to $300 per month), ACA Marketplace plans with subsidies ($0 to
Health insurance between jobs in Texas have four practical options: short-term coverage, COBRA continuation, ACA coverage through a Special Enrollment Period, and a spouse’s employer plan. Short-term coverage can now last
The best short-term health insurance plan in Texas depends on your health, age, and how long the gap is. Healthy adults bridging a 30-day to 3-year gap often pay $80
Cigna Healthcare does not sell short-term health insurance in Texas, and instead points members toward ACA-compliant coverage. But that does not mean you are stuck. A licensed Texas health insurance broker
