Health Insurance in Texas
Finding health insurance in Texas can be overwhelming, but it’s essential for protecting your family’s health and financial well-being. Eagle Nation Insurance simplifies the process, helping you choose the right plan that suits your needs, whether you’re new to the state or exploring better healthcare options.
Choose the right coverage from trusted insurance providers.
Health Insurance is Available in Texas
Living in Texas, I know how important health and healthcare are for every family, especially when finding the right plans feels like a confusing maze. That’s where Eagle Nation Insurance truly stands out. Their bilingual agents helped me navigate the process when I needed assistance the most.
With Eagle Nation’s friendly support, I could easily sign up for Texas Health Insurance without stress. They explained each option clearly, helped me find the right coverage, and made sure my insurance needs were met.
Whether you’re new to the state or just exploring better healthcare options, don’t hesitate to sign up. They make health insurance in Texas simple and accessible for everyone.
Why You Need Health Coverage
Having health coverage isn’t just about paying medical bills it’s about peace of mind for your entire family. As someone who has faced unexpected healthcare costs in the past, I know how quickly those bills can pile up in America, especially without insurance. With the right plans, you’re not only protected during emergencies but also get access to regular healthcare, which helps catch problems early when they’re easier and cheaper to treat.
Programs like Medicaid, Medi-Cal, and the Affordable Care Act (ACA) give people a way to access affordable health services, and some may even qualify for free health insurance in Texas. Having the same doctors who understand your family’s history makes a big difference compared to relying on the ER. And for children, starting routine dental care early can prevent serious health issues later in life.
What is the Health Marketplace?
When I first helped my cousin search for health insurance in Texas, we came across the Marketplace, an online center that helps people and families find the right coverage. This system came as a result of the ACA, also called Obamacare, which was signed into law by President Obama in 2010. Depending on the states, some have their own marketplace health centers, while others guide residents to the federal government site, healthcare.gov.
I remember sitting in the doctor’s office, using my laptop to compare different plans. The Marketplace consists of a wide range of insurance companies offering coverage, divided into tiers like Bronze, Silver, Gold, and Platinum, based on cost and benefits. One thing I found really helpful was that insurers can’t deny coverage due to pre-existing conditions when issuing a plan, which made things a lot easier for my cousin, who had a chronic condition.
Open Enrollment and Special Enrollment
The Marketplace has Open Enrollment during specific periods within a 12-month cycle, allowing anyone to apply for a health plan through the ACA. However, for the rest of the year, people who experience a qualifying life event may be eligible for Special Enrollment.
If you need help navigating this process, Eagle Nation Insurance offers bilingual agents who can guide you through every step, whether it’s applying, choosing a plan, or enrolling. Best of all, this service is free.
How Much is the Penalty for Not Having a Health Plan in Texas?
In Texas, there is a tax penalty for not having health insurance. For the 2024 tax year, if you file your taxes in 2025 and don’t have coverage, you might face a flat rate tax penalty. Last year, the penalty was $900 per adult and $450 per dependent child under 18. This means a family of four without insurance for all of 2024 could face a penalty of up to $2,700.
Affordable Health Care for You and Your Family
Purchasing a health policy or dental insurance can be complicated and expensive, but Eagle Nation Insurance is here to help you save both time and money. If you’re unable to afford coverage, we can help determine if you qualify for government assistance programs like Medicaid or Medi-Cal, which may cover part or all of your plan.
While some states enforce penalties for not having health coverage, the more important thing is the peace of mind knowing you and your family are protected. Give Eagle Nation Insurance a call to speak with a knowledgeable agent who can assist you in finding the right health plan for your needs and budget. Our service is completely free to you.
Find Low-Cost Options for Accidents, Critical Illness, and Cancer
Life can be unpredictable, and many people are unprepared for an accident, critical illness, or a cancer diagnosis. Although we can’t always plan for life’s curveballs, there are ways to reduce the impact. At Eagle Nation, we partner with Aflac to offer affordable plans that cover accidents, critical illnesses, and cancer. These plans are designed to pay participants cash directly to help offset the costs associated with unexpected, life-changing events.
If you don’t have health insurance in Texas, a cheap plan from Aflac can help you cover expenses like hospital stays, medical care, and bills that may arise if you’re unable to work. If you do have insurance, these options can help pay for your deductible and other costs not covered by your regular plan.
When life throws you a curveball, the last thing you want to worry about is where the money will come from to keep you and your family afloat. A health plan can ease this burden.
Having a Health Plan Makes Sense
Having a health plan means you’re more likely to get routine checkups and preventive care, which keeps you healthy and saves you money on medical costs in the long run. Without coverage, even a short hospital stay can lead to steep bills, leaving you responsible for the entire cost.
A health plan also protects your finances in the event of major medical incidents. Serious diseases or accidents often require surgeries, treatments, and medications, which can result in hundreds of thousands of dollars in medical expenses. Don’t find yourself without protection the next time you need medical care. Let Eagle Nation Insurance help you find an affordable health plan that fits your needs.
Eagle Nation Can Help You:
- Enroll for free during Open or Special Enrollment if you’re eligible
- Compare plans and explore free or low-cost programs you may qualify for
- Get a clear picture of premiums and benefits before you enroll
- Apply for financial assistance from the federal government to help cover medical expenses and coverage
- Avoid costly penalties
- Receive exceptional service all year round: before, during, and after the enrollment period, we’re here to support you!
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased insurance.
FAQ’s About Health Insurance
The cost of Marketplace health insurance in Texas plans can vary widely. It depends on several factors, such as your family size, income, deductible, the state you live in, and the health plan you choose. Other factors may also play a role in determining your final cost.
Yes, there are several types of health plans, such as HMO, PPO, POS, Medicare, and more. Each type is designed to meet the specific needs of different groups of people and offers various options to fit diverse healthcare requirements. If you're unsure which plan suits you best, feel free to ask your Eagle Nation agent for recommendations.
Yes, most people can find an affordable health insurance plan in Texas through the Health Insurance Marketplace. You might be eligible for a federal subsidy to help with the cost. If you don’t have access to health insurance through your job, it’s worth checking your options in the Marketplace.
Eagle Nation Insurance offers bilingual agents to assist you in determining if you qualify for free health insurance or a subsidy to lower your monthly payments. In fact, one in five people in Texas qualifies for free health coverage.
Although there used to be a federal penalty under the Affordable Care Act (ACA) for not having qualifying healthcare coverage, this penalty no longer applies on the federal level. However, some states, including Texas, still enforce a health mandate.
If you don’t have a plan that qualifies as minimum essential coverage, you may face a tax penalty. Other states enforcing this mandate include Massachusetts, Vermont, Rhode Island, and the District of Columbia.
At Eagle Nation Insurance, our skilled bilingual agents can guide you through finding affordable health insurance in Texas for your family to ensure you’re covered and avoid penalties.
I was totally confused about health insurance in Texas until I found Eagle Nation. Their bilingual agent made everything super simple, and now my whole family is covered. Highly recommend!