Texas Health Insurance

Although cowboys are now few and far between, many Texans still treat health insurance as if they’re lone rangers on the plains – with nothing but the clothes on their backs to protect them. The Simple Dollar aims to change that, by informing Texans as to their rights and options for health insurance. Below you’ll find essential data, stats, regulations, and resources for consumers to educate themselves about health insurance and teaching them how to take matters into their own hands.

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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.

Chip Medicaid

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.

Learn about Your Rights and Protections, Filing Claims, or health insurance rules and pre-existing conditions from the Texas Department of Insurance.

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 Health and Human Services Coalition
Texas Health and Human Services Commission
Brown-Heatly Building
4900 N. Lamar Blvd.
Austin, TX 78751-2316
(512) 424-6500
Get Directions

Texas Department of Insurance Ombudsman
P.O. Box 149104
Austin, Texas 78714-9104
Phone: 512-475-1776
Fax: 512-475-2025

Texas Department of Insurance
333 Guadalupe
Austin, TX 78701
(512) 463-6169
1-800-252-3439
Get Directions
Consumer Resources
TDI Contact Information

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.

Healthcare.gov
Find Texas Affordable Care Act information and changes at Healthcare.gov’s regularly updated site.