Health Insurance In Texas

Texas and ACA
Texas uses the federally-run health insurance exchange at Healthcare.gov, and has taken a hands-off approach to implement the Affordable Care Act. If you’re a resident of Texas and wish to buy health insurance privately, Person Health Insurance offers health plans from various providers of the state and offers you the plan which best fits your health needs.

Texas 2017 Health Insurance Statistics 1,227,290 people were enrolled during 2017 Texas exchange open enrollment, which is 6% lower than it had been the year before, down from 1,306,208 in 2016.

2013 to 2014 HIGHLIGHTS Texas had a 12.2 percent decrease in uninsured residents and still ranked high in terms uninsured in the nation.

Are You Interested In Buying Private Health Insurance Plan In Texas? An individual and family (private) health insurance plan may fit right for you if:
  • Your employer does not offer a group health insurance plan
  • You are self-employed or a freelancer
  • You are enrolled in a plan, but can’t afford the premiums
  • You are enrolled in an employer’s group plan, but the plan does not cover your spouse or dependents
  • You are enrolled in plan, but your health care benefits needs have changed


  • Finding Affordable Texas Individual & Family Health Insurance
    If you’re a couple, looking for a new health plan, we recommend that you should search for quotes both together and separately so that you can choose the most affordable option for you.
    The rates for Texas couples, individual and family health insurance (depending on the health insurance company) can be based on the age of the person on the policy. If you decide to apply as a couple, make sure the health insurance plan you choose covers the health care benefits both of you need.

    Get Health Insurance In Texas Now!
    If you would like to get free online health insurance quotes in Texas and compare various health plans now, start with Person Health Insurance simple form below and get your plan today.

    Things To Consider When Buying Health Insurance How smoking affects your finances? Under the ACA, health insurance premiums are based on numerous complex factors: plan category, the age of the insured, location, smoking habit or use of tobacco. When we specifically talk about health insurance rates for smokers, the practice of charging higher premiums for tobacco users is called tobacco rating.
    The Patients Protection Act allows insurance companies to charge 50% more from smokers as compared to non-smokers. Although this is allowed, but not all U.S states have decided to implement this charge and tobacco surcharges can vary from state to state, as demonstrated below:
    States charging 50% penalty includes:
  • Alabama
  • Arizona
  • Alaska
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

  • States charging penalty below 50% includes:
  • Arkansas – 20%
  • Colorado – 15%
  • Kentucky – 40%

  • States which prohibit penalty completely:
  • California
  • Connecticut (plans sold in state marketplace only)
  • Massachusetts
  • New Jersey
  • New York
  • Rhode Island
  • Vermont
  • Washington D.C.
  • For other factors affecting health insurance premiums, please visit our blog “What Risk Factors Affect My Best Affordable Health Insurance Premium.

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