How to Get Health Insurance in Texas

Health insurance is one of those annual amenities which are vital to the maintenance of many people's lives, and while the overall means of obtaining health insurance can change depending on your age, sex and health, different states also have different rules and regulations. On your own, it can be a confusing system to navigate due to the ever-changing rates and coverage policies, but thankfully there are a number of resources which can help you find the right health insurance in Texas.

Things You'll Need

• Telephone
• Internet
• Checking account and/or debit card
• Credit card (optional)

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Instructions

• 1

  Determine whether you are purchasing coverage for just yourself or for your entire family. The cost of your policy will directly be affected by how many individuals you are purchasing coverage for, as well as their age, health, sex and medical history. Have all of this information on hand before actually looking for health insurance.

• 2

  Research the various policies and companies online. There are thousands of policies and companies to choose from when it comes to health insurance. Use one of the many online insurance policy search engines such as eHealthInsurance.com to browse through the different policies to see which one is right for you or your family. Many health insurance packages can be purchased today without ever going through a traditional health insurance broker.

• 3

  Contact your local health insurance agent if you are not comfortable purchasing or researching online. Whether you go with the BlueCross and BlueShield Association or American Family Insurance, there are a number of health insurance companies with physical offices where qualified professionals are on hand waiting to answer any questions you might have about how to purchase and which specific policies you have questions about.

• 4

  Choose the term of your policy. While some individuals choose an annual policy that automatically renews once a year, you can also choose to have a simple one-year policy or beyond.

• 5

  Choose the deductible and coverage rates of your policy. The rate of your deductible directly affects how much your monthly or annual fee is. The higher your deductible, the lower your monthly rates, and vice versa.

• 6

  Determine whether you want general health insurance or an all-inclusive policy that includes co-pays on prescription drugs and regular doctor visits. Not all health insurance policies carry the same level of coverage, and each option of a policy can be adjusted to fit the individual.

• 7

  Choose your payment method. While many people prefer to pay with a check on a month-to-month basis, others choose to have their bill charged automatically to their bank account on a monthly basis. Others choose to pay annually. You will need a checking account and/or a debit card, or a credit card to set up a payment plan.