The largest Texas health insurance companies include Unicare, BlueCross BlueBluesheild, Aetna, Humana, and Metlife. Consumers will often have a savings from getting a health care policy because the insurers get a large discount from the health care providers. This means that the insurance company can add a margin for profit and overhead and still offer a very good value for customers. Consumers also get a measure of protection from the possibility of a huge expense from a serious illness or accident.
Every health insurance company has a large variety of possible plans. There are plans with very high deductibles and limited benefits that have a low monthly cost. Other plans have better coverage but a higher monthly cost. There is no single plan that is always the best for every person or family. That is because everyone has their own needs and ideas about what is important.
The key to a good health plan is to find a program that gives the best balance of coverage and cost for your needs. A major factor in the monthly cost is the annual deductible which usually ranges from $500 to $5,000. Other factors to consider are the type of plan (PPO, HMO, etc.), the office visit copay, hospital visit percentage payment, and drug benefits. Consider which features are most important to you and select a apropriate plan. Make sure that your agent explains the coverages and exclusions.