Stats in Your State
To compare your home state’s rates and premiums with your neighbors, simply check out the graphs and data below. Texas average premiums for single-payer and family health insurance plans are listed alongside four other Southwestern states and the U.S. national average, as well as information on government-insured and uninsured Texans.
Between 2009 and 2010, the number of children enrolled in state and federally managed health insurance programs increased by more than 10% from roughly 3,750,000 to roughly 4,150,000 between CHIP and Medicaid.
Individual Health Insurance Premiums
At just shy of $1,000, the average Texas worker paid less than the national average for health insurance in 2011 and less than people in neighboring Southwest states.
Family Health Insurance Premiums
While individual workers enjoy lower premiums than the national average, big Texas families require higher insurance premiums than the national average to keep insured.
SAHIE Health Insurance Uninsured
The Census Bureau estimates that between 2005 and 2008, nearly 1 in 5 Texans did not have health insurance. At over five million uninsured citizens, the numbers alone demonstrate the need for affordable and widely available health insurance.
Rules in Your State
As consumers and citizens, Texas residents have clearly defined rights when it comes to health insurance. Below is an excerpt from the Department of Insurance’s website on the subject, followed by the mandated benefits for health insurance plans.
Mandated Benefits for Health Insurance in Texas
These links identify the mandated benefits, coverages, and offers; the sites then consider how these facets apply to different kinds of policies.
- Accident and Health Insurance (Fee For Service) Summary Descriptions of Texas Mandates
- Texas Mandated Benefits / Coverages and Offers
- HMO Summary Descriptions of Texas Mandates
Representatives & Resources in Your State
Whether you’re looking to resolve a dispute with your insurer or simply learn more about insurance regulations in your home state, the following links and resources will provide great stepping stones for readers to educate themselves and seek advocacy from their local government.
Rate Increases and Adjustments
Information regarding rate increase filings subject to Federal Health Reform
This resource outlines the upcoming changes to rates and premiums as a result of the Affordable Care Act.
Texas Department of Insurance Ombudsman
P.O. Box 149104
Austin, Texas 78714-9104
Filing a Complaint and Complaint Resources
Complaint Resources and Indexes
Consumers who wish to file a complaint against their insurer can do so using the above link, which makes it simple and consumer friendly with regulatory oversight on the insurer’s actions.
Find Texas Affordable Care Act information and changes at Healthcare.gov’s regularly updated site.