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Alternatives to Healthy Texas insurance

by Tony Novak, CPA, MBA, MT,   November 19, 2010


Healthy Texas helps some small businesses but doesn't work for all

Texans searching for health coverage have quickly developed strong opinions of the Healthy Texas insurance program that leverages public and private funds for the payment of health insurance claims, rather than providing a premium subsidy. It is a great program for some but inappropriate for others. Another article titles "Pros and Cons of Health Texas" covers these issues in more detail. This article is meant for those who need an alternative coverage for one of the following reasons:

  • The business has only one employee
  • The employer has more than 50 employees
  • Immediate coverage is required for pre-existing condition
  • Individual, not business, coverage is required
  • Eligible employees earn more than 300% of poverty level
  • The employer does not wish to pay at least half of the premium cost
  • More than 40% of eligible employees decline to enroll
  • Coverage is required for 12 months or less
  • Coverage is required for non-participating doctors and hospitals
  • Coverage is required out-of-state or overseas
  • A 12 month rate guarantee is required
  • Applicant wants a lower premium due to preferred risk status
  • Healthy Texas premiums are still not affordable

If any of these situations apply, then the Healthy Texas program is not appropriate. The listings below link to reliable options in each of the named categories.

Individual Coverage for healthy applicants (preferred and standard rates)

Short term coverage 12 months or less

High risk health insurance / Guaranteed issue insurance

Limited benefit, mini-med and supplemental insurance

Alternatives to the Healthy Texas should be considered in cases where one or more of the disadvantages poses an obstacle. We anticipate the program will be attractive to small firms with high risk employees but more affluent, healthy individuals will continue to find better insurance values in traditional health insurance.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.