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low cost health insurance
OnlineNavigator insurance enrollment supportNeed help?

We make it easy to get friendly, personal and help with health care reform questions through two fast support options:

Email support:
Email support is available 24/7 usually with same day response. Address your message to

Telephone support:
Schedule telephone support with a call back at your convenience.

OnlineNavigator support is an independent service offered by Tony Novak, CPA, MBA MT subject to the adviser's schedule availability. This support is not intended to replace the services offered and available through other channels by your insurance company, insurance agents and health insurance navigators. Specifically, this service does not replace  online pricing and enrollment functions, billing, claims or administrative services and does not assist with Medicare or Medicaid plans.

See the OnlineNavigator web site for details on privacy policy and terms of service. 

Covering the Gaps in Obamacare

AUIC Deductible Supplement Insurance - three defined dollar benefit levels to add protection for unexpected hospital bills and other medical expenses left uncovered by primary insurance
AUIC Qualified Health Plan Supplement Insurance - no need to fear the out-of-pocket cost of doctor visits, hospital charges and other expenses left by primary medical coverage.
Core Health Insurance - the nation's most popular defined benefit health plans with guaranteed acceptance from US Fire Insurance Company
Additional resources for diabetics - a listing of the health plan options, supplemental coverage and other resources
Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.

Most Affordable Supplemental Coverage

Value Med Insurance - 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits

Primary Individual Major Medical Through a Private Exchange

Members Health Insurance Exchange allows you to price and choose from among many of the nations leading major medical health insurance options from a wide range of carriers. Personal help is available through OnlineNavigator to help with your selection.

Group Insurance

Small group coverage is now available through the SHOP exchange at

Dental and Vision Insurance

Core Dental Insurance - preventive, basic, and major dental expenses with the dentist of your choice. Shortest waiting period.
Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage

Online Life Insurance

We expect that traditional direct online life insurance application will be available again soon. Please check back soon or send a message to request more information.
International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US

Critical Illness Insurance and Cancer Coverage

Consumers Direct Critical Illness Insurance - Secure UpgradeSM $10,000 lump sum supplemental coverage for cancer, stroke or health disease for as little as $25 per month.
2015 health insurance

Texas health insurance news

by Tony Novak, CPA, MBA, MT   last updated: June 8, 2016

The two top priorities among individuals and small business who pay for their own health coverage is to find more affordable primary insurance and cover rapidly rising out-of-pocket medical costs that are not paid by primary health insurance.

Prior to implementation of the Affordable Care Act, Texas had 39 commercial insurance companies that offered individual health insurance and 46 small group health insurance plans including Healthy Texas and the Texas High Risk Pool provided coverage to residents who were denied insurance under a commercial plan due to a pre-existing medical condition. These standard health insurance plans were replaced by the coverage mandated by the Affordable Care Act, commonly referred to as Obamacare.

Since the passage of federal health insurance reform law, individuals and small businesses (with less than 50 employees) in Texas can now purchase health insurance through the federal heath insurance marketplace or through a number of privately operated insurance exchanges. Non-insurance options, like Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA) and Flexible Spending Accounts (FSA) can be added as effective tools to extend coverage beyond the legal minimum. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. Personal assistance with any insurance exchange or health reform issue is available through

The state insurance exchange is open now for coverage starting January 2016. Individuals without insurance now should enroll in temporary coverage until then. Inexpensive short term medical insurance is available immediately for the exact number of days that you need coverage before. Short term coverage is not meant to cover pre-existing medical conditions.

Covered health benefits under insurance purchased through the exchange in 2016 will be different than those offered though 2015 health plans. The federally run health insurance exchange in Texas at has 15 insurance carriers participating, up from 12 last year.

Members Health Insurance Exchange handles pricing and direct online enrollment for many of the state's most popular commercial major medical insurance plans for individuals and families.The insurance plan that sets the benchmark for qualified coverage through the exchange is listed here and a list of state-mandated benefits can be found here.  Commercial insurance exchanges may list less expensive insurance without the essential health benefits required by Obamacare. 

low cost health insurance

Texas insurance and benefit pricing

Texas had the 23rd lowest health insurance costs of all states in 2008 with an average family premium of $11,967 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 46th out of the 51 states (including DC). About 25% of Texans lack health insurance, the highest uninsured population in the U.S.
The state ranked #20 in physical wellbeing (having good health and enough energy to get things done daily) according to a 2015 Gallup Healthways survey.
Texas regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits".

Short Term Medical Insurance

Markel Smart STM - popular and affordable short term major medical insurance with fast online approval
Secure STM - along with its 12 month and 36 month options, this may be the highest quality short term coverage
Secure Lite STM - the lowest priced major medical insurance for 1 to 12 months
Secure Saver STM - $2 million maximum coverage for 1-12 months at an ultra-low rate

health insurance planning

Immigrant coverage

Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits

Accident Supplement Insurance

Consumers Direct Accident Medical - Protection UpgradeSM supplemental coverage for as little as $20 per month.
Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.

low cost health insurance

Texas insurance law and regulation

The Texas Department of Insurance maintains a Web site called that is  specifically dedicated to helping consumers find the best health insurance. This site can also be used to file an insurance complaint. Texas insurance laws are also available online. The state's Web site has not yet developed resources to help individuals find commercial low cost health plans like short term insurance, mini-med or core coverage, specific illness policies, Supplemental Accident Insurance and basic health insurance.
The state insurance department can be reached by telephone at (800) 252-3439 or by mail at P.O. Box 149104 Austin, Texas 78714. The state children's health insurance plan (CHIP) Web site is Texas CHIP  Children's Medicaid.

Small business plans

Freedom Benefits offers professional help with setup of self-administered Health Reimbursement Arrangements (HRA), Premium Reimbursement Plans, Flexible Spending Accounts, Health Savings Accounts (HSAs) and insurance at a low price than any small business can afford.

Non-insurance Discount Prescription and Dental Plans

Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee
Drug Card America - a free prescription drug card that an be used nationwide
Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year
Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions.


CallMD - Doctors and nurses literally on call 24/7 to answer questions, help with medical screening and write prescriptions saving you money with the most common types of medical care. $20 per month covers everyone in the household.

International Coverage and Travel Insurance

Texas Insurance News

6/8/2016 Blue Cross and Blue Shield of Texas' proposal to raise 2017 health insurance rates by as much as 57% to 59% has sparked concern by individuals and small businesses that purchased Obamacare coverage. New York Times reports that similar health insurance cost hikes are proposed in many other states.

9/3/2015 Blue Cross and Blue Shield of Texas will discontinue its preferred-provider-organization health insurance plans to individual consumers in 2016.

11/17/2014 Individual health insurance rates rose an average of 7.6% over 2014 levels. The actual rate change depends on where you live. A small part of the state received a rate decrease in 2015 while the rare increases varied from 2.8% to 16%.

2/11/2014 Professional support for any health care reform issue is available free of charge through an arrangement with OnlineNavigator. All online inquiries are handled personally by Tony Novak, CPA. Online support is available through a number of popular social media channels including Facebook and Google+ as well as e-mail. Telephone support for insurance enrollment is available through Members Insurance Exchange at (800) 609-0683 ext. 1

7/26/2013 Affordable Smart Term Life Insurance is now available to most Texas residents from age 20 through 60 directly online with no physical exam, agent appointment or telephone verification. Most policies are issued on the same day with coverage amounts of $25,000 up to $350,000. The level premium life insurance is available for terms of 10, 15, 20 and 30 years. Sample rates for $150,000 coverage for a preferred risk male age 30, non-tobacco $30.85 per month; tobacco user $49.55 per month. A preferred risk female age 30 non-tobacco user would be $26.49 per month and a tobacco user would be $40.96 per month. Rates are higher for older applicants and lower health risks as described online. Pricing is based on input you provide about your medical history but, unlike most other life insurers, does not consider family medical history. Coverage is issued by innovative National Life Group, rated "A" by A.M. Best Company for 2013.

3/11/2013 This page was updated to include a link to the insurance plan that will be used to determine specific "essential health benefits" for insurance that qualified for 2014 federal tax purposes. Also, a link to additional covered benefits required by state law. Non-qualified insurance is likely to continue to be available at a lower cost that does not include these benefits nor qualify for federal tax purposes.

7/16/2-12 Four physicians in the Texas legislature announced support for Governor Perry's stance on resisting Medicaid expansion. The state also announced that the Healthy Texas will soon close. Alternatives to Healthy Texas will be available to current enrollees.

7/9/2012 Texas notified the federal government today that the state will not participate in key measures of health insurance reform. Texas will not set up an insurance exchange nor expand Medicaid coverage to the 6.2 million Texans who are uninsured. The Supreme Court ruled last month that states could refuse to expand Medicaid coverage and the Affordable Care Act makes state involvement in an insurance exchange voluntary. The federal government may take steps to operate an exchange for Texas residents however few have participated in the federal insurance exchange at, according to Tony Novak at Similarly, few Texas businesses have participated in state insurance programs like Healthy Texas.

2/1/2012 The Center for Consumer Information and Insurance Oversight, a division of the Center for Medicare and Medicaid Services (CMS) reported that as of June 30, 2011 Blue Cross Blue Shield of Texas and UnitedHealthcare are the state's largest health insurance providers and as such, earn the right to set the benchmark for the development of the state's essential benefit plans to debut in 2014 under health reform law.

11/7/2011 Texas opened its Children's Health Insurance Program (CHIP) to the kids of low-income and part-time state employees, an option that was prohibited until the passage of the 2010 health-care law. The program is jointly financed by the state and the federal government to provide coverage to the uninsured children of families who earn too much to qualify for Medicaid but cannot afford private insurance.

8/19/2011 Texas Leadership Center received $1 million grant from the federal government to promote health insurance among at-risk adolescents and their families in 17 high schools in five school districts in Hildago and Harris counties. Community Council of Greater Dallas received a grant of $898,954 to partner with the WIC offices managed by the City of Dallas and Outreach Health Services to form the North Texas CHIP and WIC Project that will assist eligible north Texas families, especially Latinos, in applying for and retaining Medicaid and CHIP coverage for their children. Texas Association of Community Health Centers, Inc. received a grant of $978,714 to lead a coalition, including Federally Qualified Health Centers and various partners, in conducting community-based outreach and enrollment activities targeting low-income Hispanic children, including the children of migrant and seasonal farm-workers.

8/16/2011 The New York Times highlighted Texas' problem with lack of health insurance for about 1/4 of its population, the highest level of uninsured residents among all states in the U.S. This issue is likely to receive increased media attention following Governor Perry's announcement of candidacy for President. Consumers may indirectly benefit from the state's increased focus on promoting affordable insurance options.

7/22/2011 The UnitedHealthcare and the Houston Citizens Chamber of Commerce will host a reception to introduce small-business owners to Healthy Texas, a statewide health initiative to offer affordable health insurance to small-business employees and their families. "Keeping your employees healthy and managing health care costs are significant factors of operating a successful business," said Eric Lyons, president and CEO, the Houston Citizens Chamber of Commerce. "Healthy Texas is a great opportunity for small businesses who previously couldn't afford to offer their employees health insurance plans. We hope our community takes advantage of this new insurance program." Freedom Benefits provides qualification and enrollment support for Healthy Texas. See the articles section for more information.

3/7/2011 The Texas health insurance exchange bill was amended to omit provisions of an individual healthy insurance mandate, despite uncertainty of its outcome at the federal level. It is unclear whether this is a measure of political gamesmanship or a statement of intent, but is likely to be popular among Texas voters.

2/21/2011 At the request of Celtic Insurance Company, Tony Novak is not selling Celtic Healthy Texas and OnlineAdviser enrollment support is no longer available for Celtic Insurance products in Texas. A spokesperson for the company said “I don’t see that we can accommodate your style of eCommerce with this product”. The company also referred to specific complaints from the Texas Department of Insurance but we were unable to verify details. More coverage on this topic is available on the Universal Health Insurance blog. OnlineAdviser help requests for Healthy Texas will be referred to UnitedHealthcare Healthy Texas. Separately, a new help chart in PDF format is available to help Texas small businesses determine their eligibility for Healthy Texas and the number of employees required to participate. Requests for Celtic Insurance in Texas will be referred to a licensed local producer.

2/12/2011 With dozens of health plans choices available online offering a wide range of pricing and benefits, how do you find the best combination of price and benefits? Celtic Insurance realizes that the choices can be overwhelming; the company offers more than 40 possible health plan designs in many parts of the United States. A new feature called "Help Me Choose" lets users easily and quickly select the benefits they value most and narrows the list down to a few of the best choices. No personal information is required other than zip code and date of birth.

2/8/2011 The Senate State Affairs Committee released a report this week saying that the Healthy Texas program had only attracted 17 groups with 31 total enrollees statewide. Healthy Texas is a small business insurance program offered jointly by the sate and two private health insurance companies - Celtic Insurance and UnitedHealthcare. We previously published a review of the program including the pros and cons of Healthy Texas.. Apparently the cons are dominating most small business owner's decisions. Of the five small businesses we spoke with who obtained a quote for the Celtic Healthy Texas plan, all opted for traditional group or individual health insurance coverage. UnitedHealthcare entered at a later date and we have no experience with the plan. See the resource links on any of the pages above for more information.

2/7/2011 The state's pre-existing condition insurance plan (PCIP) monthly premium rates (per person):

Plan/Age Band
























PCIP will cover a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, beginning on your coverage effective date, even if it’s to treat a pre-existing condition - there are no waiting periods. PCIP applicants who are approved to participate in PCIP can choose from three plan options, with different levels of premiums, calendar year deductibles, prescription deductibles and prescription copays. The HSA Option provides an opportunity to open a Health Savings Account, a tax-exempt account where you can deposit funds for eligible medical expenses. Each of the three PCIP plan options provides preventive care (paid at 100%, with no deductible) when you see an in-network doctor and the doctor indicates preventive diagnosis. Included are annual physicals, flu shots, routine mammograms and cancer screenings. For other care, you will pay a deductible before PCIP pays for your health care and prescriptions. After you pay the deductible, you will pay 20% of medical costs in-network. The maximum you will pay out-of-pocket for covered services in a calendar year is $5,950 in-network/$7,000 out-of-network. There is no lifetime maximum or cap on the amount the plan pays for your care. If you apply for PCIP coverage on the government Web site, you will be billed for the premium once your application is approved. You will need to send in your payment in order for your coverage to be effective. Please do not send in the premium before you are billed. Note that your premium may increase if you age into a higher rate tier, or if PCIP adjusts its premiums to any changes in the commercial market.

2/3/2011 A report titled "2011-2016 Texas State Health Plan; A Roadmap to a Healthy Texas" by the Statewide Health Coordinating Council details plans for including the challenges incurred in caring for residents without insurance or for providing health services not fully covered by insurance. The tone of the report indicates that the state recognizes the need to address these critical issues apart from the insurance challenges. Separately, published an article titled "Clarification of "Healthy Texas" program name" to address confusion over insurance and non-insurance entities sharing use of the name.

1/13/2011 Texas Health and Human Services Commission announced that a number of popular state insurance programs including Medicaid, Supplemental Nutrition Assistance Program, Temporary Assistance for Needy Families, Children's Health Insurance and other programs will be run by Maximus (NYSE: MMS), a for-profit company, for a total contract price of $315,300,000. The contract contains an optional two year extension provision. The stock price of Maximus rose .2% on the day of the announcement

12/16/2010 Texas Department of Insurance officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, Texas said that it would: 1) Coordinate Texas’ Exchange planning efforts between the Texas Department of Insurance (TDI) and the Texas Health and Human Services Commission (HHSC), 2) Use funds to examine specific circumstances of the State, and 3) Develop considerations about setting up regional Exchanges within the State.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

Texas currently has the highest percentage of uninsured (over 26 percent) of any state in the country, as well as the second highest number of uninsured residents (over 6 million).

12/7/2010 Effective immediately, "discretionary clauses" that give insurance companies sole discretion in interpreting coverage provisions are no longer allowed in Texas insurance policies. Experts agree that this will raise insurance rates but offer better protections to consumers. A growing number of states are considering laws to ban discretionary clauses from life and health insurance. The subject is further explained on the Universal Health Insurance Blog.

11/22/2010 Consumer-directed articles and downloadable brochures about Healthy Texas and alternatives are now available. At tis time rates and enrollment support are only available for the three Celtic Healthy Texas plans.

11/8/2010 Alternatives to Medicaid and CHIP Needed - Following the results of last week's election, the Texas legislature is expected to trim some of the 3.6 million from coverage under the state's health insurance programs for low income residents. The move will reportedly save the state $60 billion over five years from 2013-2019. Lawmakers are concerned about the decrease in the number of businesses and individuals to elect to enroll in health plans since the announcement of expanded federal programs earlier this year and believe that immediate legislative action may be required to change this consumer behavior. We believe that once businesses and individuals realize that free government health care is not on the way, they will return to the normal patterns of budgeting for at least basic health insurance. Freedom Benefits will respond by promoting the new low cost limited benefit plans available to individuals and businesses. Small businesses that add these plans receive a tax credit for up to 35% of the cost of coverage. While comprehensive coverage is still priced out of reach of many Texans, limited benefit health plans are now more affordable and more widely available than in prior years.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Texas is now available at Freedom Benefits.

3/23/2010 Texas and ten other states including Alabama, Florida, Michigan, Nebraska, North Dakota, Pennsylvania, South Carolina, South Dakota, Utah and Washington will make a joint legal challenge to the federal health reform bill on the basis that it improperly usurps state sovereignty over health insurance and that requiring health insurance is an illegal and improper government action.

Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

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.