Health Insurance Quotes
Thank you for visiting
InsureMe.com, your source for Texas health
insurance information. Below you will find some information about
current events in the Texas health insurance market.
Texas Health/Medical Insurance Information
The most common way Texans are insured is through a group plan
sponsored by their employers. Unfortunately, Texans who are
self-employed, between jobs or not covered by an employer find it
very difficult to find affordable health insurance.
The 78th Legislature of Texas has passed a pair of measures
designed to help individuals who are not covered under an employer's
health insurance plan:
Consumer Choice Plans—Texas legislators passed Senate Bill
541, which allows HMOs and insurance companies to offer "consumer
choice plans." These plans are exempt from state-mandated health
benefits required in traditional health insurance plans. This allows
consumers to buy health insurance plans with a number of specified
coverages that will fit various budgets. This bill helps Texas
consumers move away from the "all or nothing" approach used toward
insurance in the past.
Health Cooperatives—Senate Bill 10, passed by the
legislature, gives small employers an opportunity to take advantage
of the discounts large employers receive on their corporate health
insurance plans. Bill 10 allows Texas companies to form "Health
Group Cooperatives" of at least 10 separate employers, who can then
purchase health insurance for their employees as a group. The goal
of the bill is to encourage more employers to provide health
insurance as an employee benefit.
Get Smart about Insurance Fraud—Insurance fraud is
becoming increasingly common in Texas, and is being committed by
groups or individuals who are trying to capitalize on the difficult
health insurance market. A sure sign of a possible insurance scam is
an unknown insurance company offering health insurance plans at
prices well below that of legitimate insurers. It is always a good
idea to call the Texas Department of Insurance's Consumer
Information Line at (800) 252-3439 to confirm that the insurance
company with which you do business is licensed in the state of
For more information on how InsureMe can help you find the right
health insurance, please take a look at our FAQ section. Thank you
for visiting InsureMe.com!