Health Insurance

Health care can be costly. It can be an enormous financial burden. Sometimes health costs can cause individuals to run bankrupt or refuse care they need because they cannot afford it. With health insurance, you’re not facing the charges as an individual; there’s an insurance plan helping you cover the costs.

To avoid dealing with medical bails while injured, ill, admitted in a hospital, or an operation room, you need health insurance coverage. It is wise to make radical financial decisions in time by acquiring health insurance before you fall sick. Additionally, health insurance makes it easier for one to keep from falling sick in the first place. Having health insurance enables you to access preventive and routine health care.

The two paths to health insurance for residents of Texas are government-funded and private schemes. Deciding on which fits your needs depends on factors, such as your income, age, health status, or if you have a business or not.

• Private Health Insurance: These are health insurance schemes controlled by the Affordable Care Act (known as Obamacare) such as catastrophic schemes, short-term schemes, Medicare Advantage schemes, and Medicare Supplement schemes.
• Government-funded Health Insurance: This includes Medicaid, Original Medicare, VA Health Insurance CHIP coverage, and TRICARE military insurance.

Among the cheapest Texas health insurance, bronze is one of the most affordable Texas health insurance plans that one can acquire. The ACA subsidies will help you access metal plans at a low monthly premium. Metal plans take the following forms:

• Gold
• Bronze
• Silver
• Platinum.

Bronze schemes are the cheapest—the cheapest bronze scheme is fully subsidized. In 2018, over one million uninsured Texans qualified for a bronze scheme with no monthly premium.

Other Cheap Health Insurance Plans in Texas are:

• Short-Term Health Insurance
• Catastrophic Health Plans.
• Medicare Advantage Zero-Premium Plans

At Optima Financial Group, Texas, we offer health insurance coverage that fits your needs. If you are a resident of Texas, call or visit us for a fair quote.