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The 2019 Definitive Guide To Texas Health Insurance for Individuals and Families

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Reading Time: 12 minutes

Table of Contents

How to Rate Texas Health Insurance Companies

Choosing the best health insurance companies in Texas involves more than just selecting coverage and comparing prices. First, you must find a reputable Texas health insurance carrier with a proven track record for meeting its clients’ needs. The below factors are important to consider when choosing which particular company is best suited to represent you and your health.

Licensed and Certified – Before spending too much time checking Texas health insurance quotes and coverage options, make sure the carrier is certified to operate in Texas. Each state has its own laws governing health insurance companies, so it’s important that you choose a company that is approved by your state. Simply call the carrier in question to inquire, or view this list of Texas Health Insurance Companies.

Company Website – Your research into a prospective individual Texas health insurance carrier should start on its website. Reputable companies will have clear websites detailing information regarding individual and family Texas health insurance plans, rates, services and other considerations. The sites will also have contact information should you have any questions.

Customer Service – Whether asking questions via email, over the phone or in person, good customer service from your health insurance carrier is imperative. Finding Affordable Health Insurance in Texas can be a difficult maze to navigate, and we often deal with health insurance carriers when we’re sick or in need. Friendly, helpful representatives who respond quickly and competently to questions can make the whole process easier on you and your family.

User Feedback – One of the best ways to compare health insurance carriers is by reading or hearing customer testimonials & reviews. Health-related forums and message boards are great places to read customer feedback on particular carriers, and Consumer Reports surveys its readers on which health insurance options they think are best. Such information can provide insights that you won’t find published on health insurance carriers’ websites.

Financial Rating – When trusting your health to an health insurance company in Texas, you want to be sure that it can fulfill the financial obligations required in your policy. A.M. Best’s Financial Strength Ratings resource provides an independent, third-party evaluation of insurance companies to help you determine the ability of an insurer to fulfill its obligations to its policyholders. To get started in your search, the following is a list of the top health insurance companies in Texas, based on rates, size of network, financial rating, claims history and service.

  1. United Health Care (Golden Rule)
  2. Humana
  3. Aetna
  4. Cigna
  5. Blue Cross & Blue Shield of Texas
  6. National General

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