You have a lot of options when it comes to finding health insurance in Dallas. There are two paths for acquiring health insurance in Texas: private and government-funded. Deciding which one works best for you depends on a number of factors like your age, income, health condition, and whether or not you own a business.
Private vs. Government Funded Health Insurance
When to Enroll in Texas Health Insurance?
The Texas Open Enrollment Period for Obamacare (ACA) insurance typically starts November 1st and ends December 15th. If you miss the open enrollment deadline, you may need to wait until the following year to enroll. However, that doesn’t mean your health insurance options end. Private health insurance providers like Freedom Life Insurance Company of America offer year round enrollment.
How Much Does Dallas Health Insurance Cost?
The average monthly premium for Obamacare Texas health insurance is $436 in 2021. However, the amount you pay for coverage will depend on factors such as where you live, the plan you choose, and the insurance company offering the plan.
Dallas Health Insurance Plans for Self-Employed and Small Business Owners
Completing an application lets you know if you can get subsidies to lower your monthly premium, free or low-cost coverage through Medicaid, or the CHIP program. Income and household size determine eligibility for savings.
If you don't have any pre-existing conditions that require ongoing medical treatment, choosing a private health insurance plan can be a great option for the self-employed. The costs are much more affordable than the ACA plans, the rates are very stable, PPO coverage is nationwide, and you can enroll at any time during the year, unlike the ACA options. In addition, 100% of your premiums are tax-deductible.
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