Get Obamacare in Texas
Find Obamacare in Texas at the most affordable prices with Cuspide!
How to get Obamacare in Texas
If you want to enroll in ACA plans in Texas there are lots of routes you can take. There are private insurers, Medicaid, and CHIP. But your best choice will be Texas marketplace plans (Obamacare/Affordable Care Act) then you can apply by contacting an agent/broker like Cuspide.
When selecting a plan, it’s important to know that depending on your income, you may be eligible for subsidies that make your coverage cheaper. So, if you meet the minimum income requirements and have legal residency, then you can apply for the many low-cost plans. Find out your household income, if you have any dependents, and how many people will apply, and you are good to go.
The health insurance requirements in Texas
Household income
To be eligible for a marketplace plan your household must declare income. A “household” in medical insurance terms means the amount of people reported in your taxes. Additionally, you must meet the minimum income requirements to be able to enroll. In 2024, the minimum for a single person is $14,580. The minimum needed for a family of 3 is $24,860. Figuring out your household income is important.
Citizenship or legal residency
To be able to get health plans in Texas you must either be a citizen of the United States or have some sort of immigration status. This includes employment authorization, permanent residency card, workers passport, etc. And, you must have a social security number.If you have those 2 key parts, you will be able to enroll in a health plan. Also, if you have coverage through your employer and it meets the minimum standard, then you cannot qualify. And, if it doesn’t provide enough, then will be able to apply. You also cannot be currently incarcerated.
What are the income limits for Obamacare in Texas?
Below is the income bracket for the Affordable Care Act (ACA). To use the chart, you must find out how many people are in your household taxes and figure out your income for the year. Depending on where you and your family land, will give you an idea of the prices. The general rule of thumb is that if you make less, you will pay less, and if you make more, you will pay more. There are a few things you must know about the ACA income bracket so let’s dive in.
Texas Obamacare Income Bracket 2024
| Household # | 100% | 400% |
|---|---|---|
1 person | $14,580 | $58,320 |
2 people | $19,720 | $78,880 |
3 people | $24,860 | $99,440 |
4 people | $30,000 | $120,000 |
5 people | $35,140 | $140,560 |
6 people | $40,280 | $161,120 |
7 people | $45,420 | $181,580 |
8 people | $50,560 | $202,240 |
It’s crucial to note that there are more factors that go into prices. These include things like how many dependents you have, your age, location, etc. For example, different zip codes mean different plans in the area, a 20-year-old will not pay the same as a 60-year-old even with the same income, and dependents in your policy lower premiums.
Texas health insurance statistics
All the metal tiers in health insurance explained
Like other states, Obamacare in Texas has what are called tiers or metal levels. These metal tiers are split into 4 main categories. Bronze, Silver, Gold, and Platinum. Depending on your needs and budget one of these will suit you the best. Explore the differences between the Texas marketplace insurance plans.
This tier offers the highest level of coverage with the lowest out of pocket costs but the highest monthly premiums. These are designed for those who want the least worries when it comes to medical expenses. If your health means everything to you and have money to spare these may be good for you.
The difference here is that you will pay higher premiums, but you will have lower out of pocket costs. These are perfect for individuals & families who need frequent medical care or have chronic conditions. Get complete coverage without breaking your wallet. Depending on your income, this might be your best choice if your goal is to save money in your policy, while getting low copays.
The silver tier is the most popular in the marketplace. It has a balance between monthly premiums and the out-of-pocket costs. So, if you know you will sometimes need a checkup or two and want to have cheap health plans then this is the type of tier for you. Additionally, they have extra cost savings, so they end up being more affordable for everyone.
The bronze tier is the basic entry to coverage. These are cheap plans that usually have very low premiums but will have higher deductibles and out of pocket maximums. It is best for those who are relatively healthy and may not need to use insurance a lot, so they have this in case something comes up. Also, when income may be too high these might be the best budget-friendly options.
So, which one should go with? It’s important to find out your goal. Will you need a lot of medical care? Do you want something just in case something happens? What is your budget? Depending on the answers you can narrow it down. If you still need help, you can contact us at Cuspide and we will help you find the most affordable health insurance in Texas.
All the companies within Obamacare in Texas
The reason people can get affordable health insurance in Texas is because of the different options. There are lots of companies in the marketplace to choose from. It’s important to note that one is not better than the other. It depends on many factors like age, location, household size, etc. Since there are many providers, you will have no problem finding low rates. Check out the best health insurance companies in Texas.
One of the largest and most trusted companies in the Lone Star State. BlueCross and BlueShield (BCBS) offer a range of plans for individuals and families. They have both EPOs and HMOs. Large network of care to access the healthcare you need.
CUSPIDE RATING: 5/5 stars
Oscar Health is one of freshest companies in the market and are already amongst the top. They have a focus on technology and provide the best member experience. Lots of great EPO plans to explore and great network of coverage. Budget-friendly.
CUSPIDE RATING: 4/5 stars
Ambetter offers wide network of care with many affordable plans. They have been around for a long time and provide quality care. They also have both HMO and EPOs. Depending on your household income they are a great choice for you and your family.
CUSPIDE RATING: 4/5 stars
Aetna is a subsidiary of CVS Health and one of the best companies in the marketplace. They provide individuals & family plans with their large HMO network. It’s a good choice for Texans trying to get a health plan. Great for low-income families.
CUSPIDE RATING: 4/5 stars
Another great option for Texan residents is Cigna. They have a focus on preventive and emergency care and are a solid choice for low-income families. Like some others they have many HMO plans. Great customer reviews and care for their clients.
CUSPIDE RATING: 5/5 stars
They have lots of low-cost HMO plans available through the nation. Their focus is on Medicaid and Medicare plans. Lots of range in the medical world. A solid choice for those wanting low prices.
CUSPIDE RATING: 3/5 stars
They are one of the biggest names in the United States. Great option for families of any income type. Lots of flexibility with a vast HMO network. Like many other providers in Texas, they offer medical plans starting at $0/mo. Customer satisfaction and experience is their goal.
CUSPIDE RATING: 4/5 stars
Tips for choosing the right provider:
Consider your needs. Will you use this plan frequently? Look at your budget to see which one will be the cheapest. If you have specific doctors/facility in mind, then call them and ask which company they accept. Also look at the reviews and see how they treat customers as well. Or the best option is to contact us at Cuspide and we will help you decide which one suits you and your family the best!
Why choose Cuspide as your brokers
Picking the right brokers is very important as they will be the ones taking care of you when it comes to your health insurance. The best part is you can save money with us! Want affordable health insurance in Texas? Here are 3 reasons as to why you should choose Cuspide for your enrollment.
Our partnerships
Here at Cuspide we are partnered with all the health insurance companies in the marketplace. This means that we can find you the most affordable plan because we have all the carriers to offer you.
Great service
Some agents disappear on you after the sale, but we take pride in having long term relationships. We can help you find doctors, make payments, and answer any questions round the clock.
Experience
We have agents that have been in the market since Obamacare opened. Cuspide has helped thousands of clients find low-cost health plans and you can be that we can help you!
Apply for Obamacare in Texas today!
Don’t put your health aside and contact us today to enroll in a marketplace plan. Save money while getting the coverage you need. Reach out to us via phone, email, or text!
How does Obamacare in Texas work?
If you want to get affordable health insurance in Texas, you must know how the marketplace works. Agents/brokers will usually enroll you directly through the official federal marketplace. During the application it will let you know if you or your household can enroll and if you can save money on coverage costs. The application is split into 4 parts:
The beginning is where you will check for cost saving options and put your contact information. This is also the part where you select who in the household (if applicable) needs the coverage.
This section is where you provide information regarding your taxes. Things like social security numbers, verification, and household income.
The third part usually asks some general questions like if you have existing coverage through your employer. It also asks if you have had any changes in lifestyle recently (baby, getting married, address change, etc.)
The final section is where you review all the info you put and agree to all the statements. Edit and go back to change any info if needed. You sign and your policy is submitted.
After your application is submitted you will get the eligibility results. From there you can make your first payment if needed. It’s important to note that it is NOT effective immediately. Coverage will always start on the first day of the next month. We will go in depth about this later.
If this all sounds a little confusing to you then the good news is that this is our job here at Cuspide. You will not have to worry about doing any of this. Enroll and find Obamacare plans in Texas today!
What type of health insurance plans are in Texas?
Obamacare in Texas only has 3 types of plans and they are EPO, HMO, and POS. The only one missing are PPOs which are not found in the Lone Star State. Each of these has their differences. For example, some doctors/hospitals may accept your insurance but not your friends’. However, in an emergency, everything is accepted, and you will never be denied care. So, what are they and what do they mean?
So, which one should you go with? It depends on your needs and your budget. If you want the flexibility and the luxury of not needing a referral, then the EPO is the best choice. If you want a more structured and balanced approach to healthcare, then the HMO is for you. As always, contact an agent to help you!
Obamacare in Texas for low-income people
There are 2 main routes you can take if you want some health insurance in Texas for cheap. The Affordable Care Act (Obamacare) and Medicaid. Individuals and families can go for either and be covered. Let’s explore the 2 different options available.
This is a great choice for low-income families that specifically covers low-income children, pregnant women, parents, and individuals with disabilities. Like the ACA, eligibility is determined based on income, household size, and other factors. More on the Medicaid expansion and how it may affect you later.
Residents of the Lone Star state can explore the many affordable plans under Obamacare. The government gives applicants a premium tax credit which helps make coverage more affordable. Those that fall between 100% and 400% of the federal poverty level will get this subsidy. And thanks to the Special Enrollment Period (SEP) you can usually apply year-round.
Texas Medicaid expansion and Medicaid denial
The state of Texas has chosen not to expand Medicaid under the ACA. This means that it may be harder to qualify for Medicaid. However, you can still qualify for a low-lost (sometimes free) health plan through the ACA marketplace.
If you were denied Medicaid in Texas, you qualify for the Special Enrollment Period. This means you can apply for Obamacare plans outside the regular open enrollment period. As long as you meet the minimum income requirement, you will not be denied. Make sure to contact us to enroll, so you and your family do not stay without medical insurance.
What are Premium Tax Credits and how does it work?
A premium tax credit (PTC) is a type of financial help given to individuals and families so they can afford health coverage. It works by reducing the amount of money you will pay for premiums by giving you a credit. Find out how much you will get with our Premium Tax Credit calculator tool! To get affordable health insurance in Texas, you must receive subsidies. Let’s break it down:
To receive a subsidy (premium tax credit) you must meet the minimum income requirements. The closer you are to 100% of the Federal Poverty Level, the more tax credit you will get and the cheaper your premiums will be. If you fall under 100% of the FPL, you cannot qualify to get subsidy.
For example, a health plan from XYZ company costs $500 a month. You receive a premium tax credit of $450 a month. Now instead of paying $500 for the plan you will only pay $50 a month. The less your household makes, the more credit you get. The more you make, the less credit you get. If you make more than 400% federal poverty level, you will get no credit and will pay the plan for what it’s worth.
Now at the end of the year when you file your taxes you will compare the amount of tax credit you received throughout the year to the actual amount you were eligible for based on your income. If you got too much, you may return some of it, and if you didn’t get enough then you may receive a refund or a reduction in what you owe in taxes. We highly recommend checking out our complete guide here.
So now that you know a little bit about how it works it is crucial that you estimate your income correctly. We tell all our clients to update us on any lifestyle changes they have so we can update the application if needed. We also made a video that talks about how health insurance subsidy works.
Enroll for Obamacare in Texas today!
Contact Cuspide and enroll in a health plan in under 10 minutes! Get quotes at no cost to you and compare all the available plans at the best price.
To apply for health insurance in Texas, you must enroll through the marketplace. This can be tricky to do alone so it is best to contact an insurance agent near you to help you and avoid any problems. Reach out to the best insurance agents in Texas at Cuspide (305-970-8583). We will help you compare and choose plans, save money, find doctors, and more!
Your insurance plan can be expensive because of many different factors like incorrect income, faulty application, or a bad agent/broker. The most important thing to know is that Obamacare (ACA) is based on household income. The more you make the more you pay for premiums. Sometimes, people put in too much or too little income and that can affect plan rates. Also, contact an agency like us who has contracts with all the companies, that way you are always looking at the most affordable options. Contact us at Cuspide today to see if you can get low premiums.
You can still get health insurance if you are unemployed. This is because ACA plans are based on projected income. For example, if you are unemployed right now but plan to work in a couple months then you can enroll based on the income you will get at that job. Also, any income that you declare in your taxes counts towards a marketplace plan. You don’t need a “job” title, you need income. If you are unemployed and want to get health plans in Texas, contact Cuspide and we will be able to help you.
No, it is not required, however, we recommend never being without health insurance. For example, let’s say you have a sudden surgery that costs you $50,000. Even with the worse plan in the marketplace (a $9,100 out of pocket max/deductible) you will only have to go $9,100 out of pocket. If you didn’t have that plan, then you would be in debt for $50,000. Remember, a little bit of something is better than all of nothing.
The average monthly payment for health insurance is around $400 across the United States. This is based on many factors like age, household size, income, and even location. More importantly, whichever metal tier you choose will affect the price. Bronze tiers are the cheapest, while Platinum is the most expensive. However, 4 out of 5 households qualify for a $10 a month or less plan! Never go based on the national average because everyone’s situation is different. To find out how much you will pay for ACA plans in Texas, contact us at Cuspide.
Cuspide in the Texan scene
Hello, my name is Carlos, and I am an insurance agent. I started Cuspide in 2023 and have prior years of experience. We are a small but mighty group of brokers that focus on providing affordable coverage for everyone. Cuspide has partnerships with all the insurance companies available in the Lone Star state, meaning you will always get the best prices from us. When you call us, you will be mainly speaking with me. Services like helping you find doctors, making payments, and 24/7 support. We hope to help you and your family find Obamacare in Texas!
