Thank you for visiting InsureMe.com, your source for Texas health insurance information. Below you will find some information about current events in the Texas health insurance market.________________________________________
Texas Health/Medical Insurance Information
The most common way Texans are insured is through a group plan sponsored by their employers. Unfortunately, Texans who are self-employed, between jobs or not covered by an employer find it very difficult to find affordable health insurance.
The 78th Legislature of Texas has passed a pair of measures designed to help individuals who are not covered under an employer's health insurance plan:
Consumer Choice Plans—Texas legislators passed Senate Bill 541, which allows HMOs and insurance companies to offer "consumer choice plans." These plans are exempt from state-mandated health benefits required in traditional health insurance plans. This allows consumers to buy health insurance plans with a number of specified coverages that will fit various budgets. This bill helps Texas consumers move away from the "all or nothing" approach used toward insurance in the past.
Health Cooperatives—Senate Bill 10, passed by the legislature, gives small employers an opportunity to take advantage of the discounts large employers receive on their corporate health insurance plans. Bill 10 allows Texas companies to form "Health Group Cooperatives" of at least 10 separate employers, who can then purchase health insurance for their employees as a group. The goal of the bill is to encourage more employers to provide health insurance as an employee benefit.
Get Smart about Insurance Fraud—Insurance fraud is becoming increasingly common in Texas, and is being committed by groups or individuals who are trying to capitalize on the difficult health insurance market. A sure sign of a possible insurance scam is an unknown insurance company offering health insurance plans at prices well below that of legitimate insurers. It is always a good idea to call the Texas Department of Insurance's Consumer Information Line at (800) 252-3439 to confirm that the insurance company with which you do business is licensed in the state of Texas.
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