Low Income Health Insurance Texas

The demographic profile of Texans is broad and varies from sky-touching buildings to humble houses. When it comes to health insurance, not everyone has the luxury of going in the market and shopping around. However, all hope is not lost. There are many options for low income population group to buy health insurance plans in Texas. In this article, we will discuss some of these options.

The options to buy affordable health insurance plans or to enrol in state government’s programs are not scarce. Like many other states concentrating on making every citizen free from the worry of healthcare costs, Texas has rich pool of programs. Specifically speaking, elderly/disabled and families with children do not have to worry about budget too much.

To name some programs for low income families and individuals, the first one that comes to the mind is the Medicaid program. With the implementation of the Affordable Care Act, it has become extremely simple for Texas to offer low income health insurance plans to eligible Texans irrespective of age, disability and family status.
On the second number, Texans can think about HSA accounts. These accounts offer good options for low income health insurance because Texans can avail large discount on medical expenses. These accounts allow the consumers to make tax-free deposits and withdrawals for doctor’s visits, prescription medications, and many other health costs that consumers need to cover. However, Texans would need to check whether they qualify for such accounts or not.

Children belonging to the low income families can avail help from the CHIP program. It provides affordable health insurance plans to children under the age of 19 years. CHIP offers help to cover immunizations, preventative well-child care, lab tests, x-rays, prescription drugs and equipment, dental care, eye care, mental health services and hospital care.

Another program is the Texas Breast and Cervical Cancer Control Program. This program offers low income health insurance options to Texan women. Women with limited or no health insurance coverage and ineligible for Medicaid or Medicare can qualify for this program. The program offers priority for breast cancer screening to women aged 50-64 years. However, the priority for cervical cancer screening is given to women aged 18-64 years. These screening services are offered at no cost or for nominal co-pay based on the woman's ability to pay.

While Texans search for low income health insurance, they should also not overlook the private health insurers because they might have some plans that could suit the needs. It depends upon the exact income of the family or the individual.