Health Insurance Coverage in Texas
According to the US Census Bureau, about 15.7% of the US population did not have some form of health insurance coverage in 2011. In Texas, about 23.8%1 of the population were uninsured. People don’t have health insurance coverage often times due to the cost. However, there are options in finding an affordable Texas health insurance plan.
Finding Affordable Texas Health Insurance
In Texas, those individuals with some form of health insurance coverage received their health care from the following sources:
- Texas Medicare: 13.7%
- Texas Medicaid: 17%
- Military Healthcare: 2.2%
- Texas Coverage from Employer: 51%
- Direct Purchase of a Texas individual health insurance plan: 11.2%
If you're uninsured and do not qualify for a public plan, you can find an affordable Texas health plan through a direct purchase from a private insurer.
Texas Health Insurance Rejection Rates
25% of Texas individual and family health insurance applications are denied by insurers. Being denied coverage from one health insurance company can negatively impact applications with other companies since insurers often take into consideration prior health insurance application denials when evaluating a consumer’s application for healthcare coverage.
See our study to get a state-by-state look at health insurance declination rates.
Average Out-of-Pocket Limit for Health Insurance Plans in Texas
In Texas, the average out of pocket limit for an individual health insurance plan was $7053, which is less than $1,000 above ACA limit (the national out of pocket average was $6,019).
For more information on annual out of pocket costs by state, check out our recent study.
How HealthPocket Can Help
With many Texas health plans available, it can be difficult to find the right health plan that meets both your budget and medical needs. At Healthpocket, we provide you the tools to compare Texas individual health plans and estimate your annual out of pocket costs.