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Is Texas Group Health Insurance Right for Married Couples?

texas group health insurance
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Texas has a married population of around 49%. They say no marriage is the same, but married couples share some commonalities, including the importance of maintaining mental and physical well-being. Health insurance for couples plays a vital role in maintaining well-being in the US, so what are the best options in Texas?

If you are self-employed, you may be surprised that Texas group health insurance is an option for you and your spouse. Read on to learn if group health insurance for couples is right for you.

What Is Group Health Insurance?

Group health insurance offers coverage for groups of people in companies or organizations. They are employee-sponsored plans, which can be for employees and their dependents.

Group health insurance coverage and benefits can vary depending on the state. For example, Texan law defines a small employer as a business with two to fifty employees.

Texas Group Health Insurance for Couples

So, how does group health insurance relate to you and your spouse? One of the most common reasons that couples have group health insurance in Texas is because they are one or both are self-employed. If you have a business with non-family members, too, you may offer the same group health insurance to all employees.

Group health insurance varies from a family insurance plan. Group health insurance options for couples usually are:

  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization (PPO)

A PPO offers a network of providers, including hospitals and doctors, as your health plan. Usually, there are lower costs to use providers from the network, with an additional charge for providers not in the network. Fees and premiums depend on the insurance provider.

An HMO focuses on preventative care and maintaining well-being. Usually, they have lower premiums but less flexibility for using providers outside of the network without a referral. The networks can be more limited, and you typically must pick a primary care physician.

Benefits of Group Health Insurance for Couples

Without health insurance, you are at severe financial risk. Coverage improves access to care, but you also need to take the time to find the right insurance. There are several reasons why you should consider group health insurance for couples.


Premiums tend to be lower with health insurance for couples, as risk is shared, and insurers can help mitigate potential risk areas. You can also save money through the group health insurance policy you choose, such as an HMO. This is because insurers can liaise and make contracts with providers, so costs can be managed.

There may also be tax advantages, depending on the coverage and policy. Consult with your insurance broker to determine whether you will receive this benefit.

Different Options

You may have a choice of the type of group insurance plan for you and your spouse. Choose between plans such as HMO and PPO, along with considering additional options to cover vision, pharmaceutical, dental, and other coverage needs.

More Control

Nobody wants to think about unexpected medical costs during a health emergency. Focus on recovery with a comprehensive group insurance plan that helps prevent unexpected expenses. Have a primary care physician to give you referrals when you need to see a specialist.

Healthier Together

Group health insurance can help you and your spouse stay healthy together. Nothing is worse than seeing your partner go through a health difficulty, but having the right insurance will help ensure they get the support they need as soon as possible. You can share a plan where you both understand the policy and the steps to take if any issues arise.

One in five Texas residents has chronic diseases, with over 21% of all Texans having one or more. These include asthma, diabetes, and cardiovascular disease. A group health insurance plan can help provide the tools to prevent and manage different health issues.

Cons of Texas Group Health Insurance

It is essential to weigh up the pros and cons of different health insurance options. Texas group health insurance is not for all couples. Here are some of the main cons of this type of health insurance for couples.

The Cost

Texas group health insurance comes with costs, which may not be cost-effective for all. Different options are available to suit different budgets, but coverage and flexibility will also vary. It may be more beneficial to get an individual plan.


Not all group health insurance plans offer the flexibility a couple desires for their healthcare. There are also limitations to what couples are eligible for Texas group health insurance. It is best to consult with an insurance provider for your personal case.

Tips for Finding the Best Health Insurance

Finding the right insurance for you and your partner will provide a range of long-term benefits. Sharing a health insurance plan, such as group insurance, benefits married couples for various reasons. However, not all plans offer the same coverage and benefits, so here are some tips to help your search:

  • Discuss your health insurance goals with your partner
  • Make a list of questions for the health insurance provider
  • Check the insurance provider’s reputation and credentials
  • Ask how many providers they work with
  • Compare plan costs

It is important to communicate with your partner from the beginning of your health insurance search so you are both on the same page. It is vital to work with a reputable and accredited insurance provider who works with various providers. Ask for a written quote and compare costs to determine if group insurance is your most cost-effective choice.

The Best Texas Group Health Insurance

Texas group health insurance offers benefits from employers, employees, and married couples. If you’re looking at group health insurance for married couples, it is time to speak to a professional health insurance provider. You want to pick the best option for you and your spouse, so have a professional look over your case.

Custom Health Plans is a full-service Texas health insurance provider committed to providing health insurance solutions for couples, families, the self-employed, individuals, and businesses. Request a free quote to get started.

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