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What is the best health insurance in Texas?

The cost of health insurance has increased by 4% since the previous year. Presently, the average monthly cost of health insurance for a 40-year-old is $509. With the increase in the cost of health insurance in Texas, finding your best health insurance plan is a priority.

The best health insurance plan available in Texas is Ambetter Balanced Care 29. However, you can go for an alternative plan, which is the Blue Advantage Silver HMO 205. If you are looking for the cheap and best health insurance plan, you can find it on the Texas health insurance exchange.

However, the best health insurance plans in Texas are classified by metal tier, income level, changes in rate, and health insurance companies.

Best Health Insurance Plan in Texas by Metal Tier

In order to find suitable health insurance plans in Texas, you need to look at the best health insurance plan in each metal tier.

Catastrophic: The best plan on this metal tier is the Friday Catastrophic. This plan isn’t just suitable but also saves costs because it is the cheapest you can find on this metal tier. Friday catastrophic has a deductible and out-of-pocket fee of $8,500. For a 40-year-old, the average monthly cost for this health insurance plan is $236.

Bronze: Friday Bronze is the most suitable and cheapest plan you can find on the Bronze metal tier. It has the same deductible and out-of-pocket fee as the Friday Catastrophic plan, which is $8,500. However, the average monthly cost for a 40-year-old is $256. 

Expanded Bronze: A higher version of the Bronze metal tier is the Expanded Bronze. On this metal tier, the best health insurance plan you can find is the Friday Bronze Plus. The Friday Bronze Plus has a deductible and out-of-pocket fee of $8,500, and the average monthly cost for a 40-year-old is $271.

Silver: With a deductible and out-of-pocket fee of $3,300 and $8,550, respectively, MyBlue Health Silver 405 is the best health insurance plan you can find on the Silver metal tier. For a 40-year-old, the average monthly cost for this health insurance plan is $381. 

Gold: The last metal tier to be discussed is Gold. On this metal tier, the best health insurance plan you can find is Blue Advantage Gold HMO 206. This plan has a deductible and out-of-pocket fee of $7,500 and $8,550, respectively. If you are a 40-year-old, this health insurance plan will cost you $506 as an average monthly fee.

Best Health Insurance Plan in Texas by Income Level

There are many factors you need to consider before choosing the best health insurance plan for you and your family. These factors include your income level, the amount of money you have set aside in case of health emergencies, and the cost of your health care per year. 

High Cost of Health Care: If the estimated cost for you and your family’s health care is on the high side, the best plan for you is the Gold plan if there are pre existing conditions, if you have a high gross income and no health conditions ore prescriptions than your best plan would be getting approved for private health insurance plans Dallas, Texas. This health insurance plan includes a higher premium and also a low out-of-pocket fee, but also low deductibles. There is nothing worst than paying your insurance premiums for sometimes years on end and then when you finally file a claim now you have a giant deductible to meet before you get any health coverage.

Low-Income Level: For a low-income earner and one whose health care costs are average, the silver plan is the best. This plan strikes a balance between monthly premium payments and out-of-pocket fees. If you belong to a low-income family, the silver plan will benefit you greatly.  

Young and Healthy: If you are young and don’t have any bad health record, the bronze and catastrophic health insurance plans are suitable for you. Although  this plan has high deductibles and out-of-pocket fees, it also includes a cheap premium. However, the cost of this health insurance plan is $16,300 for a family and $8,150 for an individual. If you are young and healthy and your income is over the $50,000 household income then private health coverage can give you a much better plan at way lower rates than what’s on the marketplace. The private plans also have no deductible to meet which can make it very cost effective since they take into account the health of an individual or family to keep the premiums as low as possible.

Best Health Insurance Plans on the Marketplace with High Income Families

Costs of health insurance plans have increased from 2020 to 2021. Some increased by 2% while others did with 11%. Before you choose the best health insurance plan, you have to know the changes in rate. The following example rates are for a marketplace plan on HealthCare.Gov  for a 40 year old that makes $70,000 a year and won’t qualify for any premium subsidies.       

Bronze: From a fee of $423 in 2020, the rate of this metal tier increased by 28%. The new rate of this metal tier is $573. 

Expanded Bronze: This metal tier experienced a change in the rate of 7%. The cost of this health insurance plan was $400 in 2020. However, this plan will cost you $527 now.

Silver: A change in the rate of 18% was recorded by the users of this health insurance plan. From an initial fee of $551, the cost of this health insurance plan is now $709. 

Gold: The most expensive metal tier in the health insurance plan experienced a change in the rate of 11%. Last year this health insurance plan would have cost you $607 and now you would be paying $750

Health Insurance Companies in The South that offer PPO Plans

Below is the line of health insurance companies in Texas where you can find the best insurance plan.

  • Molina Healthcare
  • United Health Care PPO
  • FirstCare Health Plans
  • Friday Health Plans
  • CHRISTUS Health Plan
  • Blue Cross and Blue Shield of Texas
  • Scott and White Health Plan
  • Community Health Choice
  • Oscar Insurance Co.
  • Sendero Health Plans, Local Nonprofit
  • Ambetter from Superior HealthPlan

Don’t wait till the next Global Pandemic to get your family health insurance!

Without a doubt the best health insurance plan in Texas comes from the United Health Care Choice Plus PPO Network sold through a private insurance company US Health. The plan is for families or individuals or the self employed who rarely go to the doctor and are over the income limit so they won’t qualify for any subsidies through the government. So they see your less of a risk so they will give you a much better plan at way lower rates than whats on the marketplace. So it has nothing to do with your taxes or how much money you make and the amount of coverage you want. This plan gives you the protection against all major claims with a $4,000 max out of pocket so you know that’s your worst case scenario and they don’t charge you an arm and a leg or a mortgage payment for a family plan.

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