Texas Health Insurance Frequently Asked Questions
Why were health savings account plans created?
HSAs and high-deductible health plans were created as a way to help control healthcare costs. The idea is that people will spend their medical dollars more wisely if they are aware of the real costs and are paying for care with their own money.
Why Would I Want Short-Term Health Insurance in Texas?
There are a number of reasons why a person may require short-term health insurance. For example, you might need it if you are waiting for another health insurance plan to start. You also might need it if you are between jobs, on strike, a seasonal employee, or a recent college graduate and know that you only require coverage for a short amount of time.
Will I have to pay more if I have a pre-existing condition?
Starting in 2014, an insurance company cannot charge higher rates to individuals who are the same age based on their gender or health status. So you cannot be declined or pay more if you have a health condition. Pricing depends largely on age, family size and geographic location.
Will I have to pay more if I use tobacco?
Yes, a tobacco user can be charge up to 50 percent more than a non-tobacco user.