My COBRA Expired How can I Find Health Insurance for Individuals in Texas?

Posted on November 10, 2011 by Charles F Peeler Jr

If you were laid off or even fired from your job, you were able to continue your employer provided health insurance temporarily through COBRA while you developed a new heath care strategy. Unfortunately, COBRA benefits come to an end, leaving you uninsured and looking for medical coverage. While there are several options to choose from, learning a little about health insurance for individuals in Texas will help you make an informed decision when and if you decide to purchase health insurance.

What is Health Insurance for Individuals?

InTexas, if you are not covered through an employer’s group plan and your COBRA benefits have run out, you are a good candidate for individual health insurance coverage. Health insurance for individuals in Texas gives folks just like you the chance to secure health care coverage for not only themselves, but also, their families when they are not insured through work. For those who are self employed, in between jobs, working part time or new graduates still looking for the perfect job, individual health insurance is a great choice.

Flexible Costs and Coverage Options

Individual health insurance gives you the greatest amount of flexibility in terms of both cost and coverage. If cost is your main concern, there are plans with very low copayments that still provide essential  coverage with a large network of doctors and hospitals to choose from. There are also plans with very high deductibles which translate into low monthly premiums.

However, if you are looking to replace coverage that you had through a group plan at work, there are individual plans that closely resemble these as well. Blue Cross Blue Shield of Texas offers affordable health insurance for individuals inTexaswith their BlueChoice network. As long as you use a contracting BlueChoice hospital, doctor or specialist, you can save money on premiums. In addition, they have a wide selection of individual plans that closely resemble group coverage.

If you’re young and healthy and want more control over your health care costs, you can consider a Health Savings Account (HSA) where you can use pretax dollars for qualified medical expenses. With an HSA from Blue Cross Blue Shield of Texas, you’re still covered for preventive care, medical and surgical care but you’re also gaining significant tax advantages and paying lower premiums.

Choose Only Reliable, Dependable Providers

There are several insurance providers in the state ofTexas. Simply because a provider offers individual health insurance does not guarantee that they will be reliable and deliver in your time of need. Be sure to choose only well known, credible companies that have earned a reputation for quality that you can depend on when you need it most.

Whether you are looking for high deductible plans with lower monthly premiums, plans that give you more flexibility with your health care dollars, or even temporary coverage, health insurance for individuals inTexasmay be the right solution for you. Remember, choose only dependable, reliable providers like Blue Cross Blue Shield of Texas for your insurance needs and spend less time worrying about health care and more time focusing on the things you enjoy.

For more information of finding health insurance for individuals in Texas or to obtain a free quote visit our Texas Health Insurance website today.

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