There are many health insurance companies in Texas that are devoted to making sure Texans enjoy the ideal health they deserve.
Among the cardinal things to look out for is ones’ health. There is a saying that good health is better than wealth, which is to clarify how important having ideal health is.
Most people know of this fact but the cost of health maintenance most times could be out of range and beyond the reach of most thus, one of the essences of the health insurance companies in Texas.
On average, about $6,000 is spent individually in Texas which confirms the high cost of health maintenance.
Health insurance is a contract that requires an insurer to pay some or all of a person’s healthcare costs in exchange for a premium.
It is a type of insurance that helps cover the cost of an insured person’s medical and surgical expenses, prescription drugs, and sometimes dental expenses incurred by the insured.
Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
Understanding how these health insurance companies in Texas operate is the right step in the right direction.
Some plans require policyholders to receive care from a network of designated healthcare providers for the highest level of coverage.
If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network which is one of the reasons you have to know about a particular health firm before working with them.
Let’s learn about the top health insurance firms in Texas everyone ought to know. Meanwhile, it is essential to note that this list is in no order of ranking.
Top health insurance companies in Texas
Below is a comprehensive list of the health insurance companies in Texas that are popularly known for their outstanding healthcare services;
- Aetna Health and Life Insurance Company
Address: 151 Farmington Avenue Hartford, CT 06156 USA
Telephone: 1-800-US-AETNA (1-800-872-3862)
Website: click here
Founded: May 28, 1853
Founder: Eliphalet Adams Bulkeley
Headquarters: Hartford, Connecticut, U.S.
Area served: United States and expatriates
- All Savers Insurance Company
Phone: 1-866-405-7174
Email: [email protected]
Address: United HealthCare Services, Inc. 3100 AMS Boulevard P.O. Box 19032 Green Bay, WI 54307-9032
Website: click here
- Ambetter from Superior Health Plan
Address: 3900 N 10th St, McAllen, TX 78501, USA
Phone: +1 877-687-1196
Website: click here
- Amerigroup Insurance Company
INCORPORATED: 06/19/1995 ;
ADDRESS: 4425 Corporation Lane Virginia Beach, VA 23462 United States
Website: visit here
- Ameritas Life Insurance Corporation
Address: 5250 Prue Rd Ste 445 San Antonio, TX, 78240-1757 United States
P.O. Box: 81889
Phone: 800-311-7871
Fax: 402-325-4190
- BCBSTX, A Division of Health Care Service Corporation
Address: Blue Cross and Blue Shield of Texas P.O. Box 660044 Dallas, TX 75266-0044
Phone: 800-259-3668
Headquarters location: Richardson, Texas, United States
Founded: 1929
Ceo: James G. Springfield
Revenue: $1.10 billion
- Bright HealthCare
English: 844-926-4524
Español: 844-926-4523
Website: visit here
- Celtic Insurance Company
Phone: 1-800-477-7870
Website: click here
- CHRISTUS Health Plan
Address: 5825 Old Bullard Rd #500, Tyler, TX 75703, United States
Phone: +1 903-607-7526
Website: visit here
- Cigna Health and Life Insurance Company
Address: 2208 Hwy 121 #210, Bedford, TX 76021, United States
Phone: +1 800-826-6762
- Community Health Choice
Address: 2636 S Loop W #125, Houston, TX 77054, United States
Phone: +1 713-295-2222
Website: click here
- FirstCare Health Plans
Address: 1901 W Loop 289 UNIT 9, Lubbock, TX 79407, United States
Phone: +1 806-784-4300
Website: visit
- Freedom Life Insurance Company of America
Address: 300 Burnett St, Fort Worth, TX 76102, United States
Phone: +1 817-878-3303
Website: visit here
- Hartford Life and Accident Insurance Company
ADDRESS: 1 Hartford Plaza Hartford, CT 06155 United States
PHONE: 1-860-547-5000
INCORPORATED: 09/09/1993
- HCSC Insurance Services Company
Address: 1001 E Lookout Dr, Richardson, TX 75082, United States
Phone: +1 469-804-5752
- Life Insurance Company of North America
Address: 2500 Legacy Dr # 130, Frisco, TX 75034, United States
Phone: +1 888-362-1214
Website: visit
- Lincoln Life Assurance Company of Boston
Address: 1227 W Magnolia Ave #202, Fort Worth, TX 76104, United States
Phone: +1 817-926-9757
- Metropolitan Life Insurance Company
Address: 2615 Calder Ave STE 420, Beaumont, TX 77702, United States
Phone: +1 409-832-6344
- Moda Health, Inc.
Address: 601 SW 2nd Ave, Portland, OR 97204, United States
Phone: +1 877-605-3229
Website: click here
- Molina Healthcare
Address: 5605 N MacArthur Blvd Ste 400, Irving, TX 75038, United States
Phone: +1 877-665-4622
Website: click here
- Oscar Insurance Company
Address: 5921 S Gessner Rd, Houston, TX 77036, United States
Phone: +1 713-271-8889
Website: visit here
- Principal Life Insurance Company
Address: 5080 Spectrum Dr #1200e, Addison, TX 75001, United States
Phone: +1 972-980-9990
Website: click here
- Sun Life Assurance Company
Address: 500 Linden Oaks # 310, Rochester, NY 14625, United States
Phone: +1 585-383-8330
Website: click here
- Superior Healthplan Network
Address: 5900 E. Ben White Blvd. Austin, TX 78741
Phone: 1-877-687-1196
Website: click here
- Wellcare Prescription Insurance, Inc.
Address: 742 Northwest Loop 410 #117, San Antonio, TX 78216, United States
Phone: +1 210-796-5519
Health insurance in Texas
Texas state insurance industry is regulated by the Texas Department of Insurance which oversees the administration of the Texas workers’ compensation system, and performs the duties of the State Fire Marshal’s Office, alongside other important wonderful actions.
The Texas Department of Insurance can help with issues involving insurance companies and health plans and people we regulate. We don’t regulate most health plans.
The insurance commissioner is the agency’s chief executive and administrative officer. The commissioner administers and enforces state insurance laws and applicable laws that grant jurisdiction to the commissioner.
The Division of Workers’ Compensation, under the direction of the division’s appointed commissioner, oversees the administration and operation of the Texas workers’ compensation system.
Some small employers in Texas offer health insurance to their employees. Texas insurance law defines a small employer as a business with two to 50 persons. If you provide health insurance, you must offer it to all your employees who work 30 hours or more each week. You must also offer coverage for their dependents. Business owners can enroll in their small-employer health plan if at least one of their employees also enrolls.
Top Factors that determine the cost of health insurance in Texas
- Policy
- Household income
- Family size
- Age
- Insurance plan(Bronze, Silver, and Gold)
- Steps to get affordable health insurance in Texas
If you are interested in knowing how to get the right health insurance package for you, these steps are essential for you to follow;
- Check for plans that are suitable for you
Understanding a plan you want to go for is a clever approach to follow as mentioned earlier because every Health Insurance plan in Texas has its unique benefits although they all aim at providing quality healthcare service. It is equally essential you consider the plan that covers your health needs.
- Stay Connected
Provider networks are associations of physicians, hospitals, and other health providers who have agreed to collaborate on the health plan.
- Check for the companies review
There are different health insurance companies in Texas that have different modes of operations. Checking for what people say and feel about a particular company will assist you in choice-making.
- Save on the coverage of your prescription
Take a quick look at the package to see how you get coupons for the use of some drug or mail-order pharmacy facilities.
Best health insurance in Texas
Below is the list of top 10 health insurance companies in Texas everyone ought to know;
- All Savers Insurance Company
- Amerigroup Insurance Company
- BCBSTX, A Division of Health Care Service Corporation
- CHRISTUS Health Plan
- Cigna Health and Life Insurance Company
- Freedom Life Insurance Company of America
- HCSC Insurance Services Company
- Moda Health, Inc.
- Oscar Insurance Company
- Principal Life Insurance Company
Frequently asked questions about health insurance companies in Texas
Does Texas require you to have health insurance? Texas residents are not required to have health insurance under state law. However, the Affordable Care Act does mandate a health insurance requirement on a federal level that includes Texans.
Texas utilizes the federal exchange for health plans and has one of the highest enrollment rates in the country.
What are the approaches to get health insurance in Texas? Health insurance Plans are available to residents through the federal exchange and private insurance companies.
What is the cheapest health insurance in Texas? The cost of health insurance in Texas is determined by different factors as mention above. On an average, the cheapest health insurance in Texas starts for as low as $153 per person for major medical plans.
| Metal Level | Lowest Monthly Premium |
|---|---|
| Bronze | $153 |
| Silver | $185 |
| Gold | $221 |
| Location | 2020 | 2021 | Percent Change |
|---|---|---|---|
| United States | $462 | $452 | -2% |
| Alabama | $553 | $590 | +7% |
| Alaska | $724 | $675 | -7% |
| Arizona | $442 | $436 | -1% |
| Arkansas | $365 | $394 | +9% |
| California | $430 | $426 | -1% |
| Colorado | $358 | $340 | -5% |
| Connecticut | $570 | $580 | +2% |
| Delaware | $548 | $540 | -1% |
| District of Columbia | $414 | $415 | 0% |
| Florida | $468 | $457 | -2% |
| Georgia | $463 | $456 | -2% |
| Hawaii | $474 | $478 | +1% |
| Idaho | $520 | $500 | -4% |
| Illinois | $451 | $423 | -6% |
| Indiana | $387 | $421 | +9% |
| Iowa | $742 | $523 | -30% |
| Kansas | $502 | $491 | -2% |
| Kentucky | $471 | $476 | +1% |
| Louisiana | $500 | $545 | +9% |
| Maine | $513 | $440 | -14% |
| Maryland | $397 | $344 | -13% |
| Massachusetts | $343 | $363 | +6% |
| Michigan | $360 | $347 | -4% |
| Minnesota | $309 | $305 | -1% |
| Mississippi | $487 | $459 | -6% |
| Missouri | $483 | $479 | -1% |
| Montana | $483 | $471 | -2% |
| Nebraska | $711 | $699 | -2% |
| Nevada | $374 | $393 | +5% |
| New Hampshire | $405 | $357 | -12 % |
| New Jersey | $392 | $405 | +3% |
| New Mexico | $345 | $339 | -2.% |
| New York | $610 | $599 | -2% |
| North Carolina | $558 | $516 | -8% |
| North Dakota | $383 | $493 | +29% |
| Ohio | $375 | $375 | 0% |
| Oklahoma | $601 | $554 | -8% |
| Oregon | $446 | $437 | -2% |
| Pennsylvania | $459 | $455 | -1% |
| Rhode Island | $332 | $349 | +5% |
| South Carolina | $509 | $476 | -6% |
| South Dakota | $593 | $618 | +4% |
| Tennessee | $511 | $466 | -9% |
| Texas | $432 | $436 | +1% |
| Utah | $486 | $472 | -3% |
| Vermont | $662 | $669 | +1% |
| Virginia | $521 | $479 | -8% |
| Washington | $391 | $388 | -1% |
| West Virginia | $628 | $654 | +4 |
| Wisconsin | $491 | $457 | -7% |
| Wyoming | $881 | $791 | -10% |
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Chibueze Uchegbu is a certified medical physiologist with a great passion for healthy living.
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