Health Insurance in Texas

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From Health Insurance Brokers in Texas

Individual Health Insurance

Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.

That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

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Group Health Insurance

Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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Life Insurance

Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

Learn More Life Insurance Services

Dental Insurance

A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

Learn More Dental Insurance Services

Vision Insurance

Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

Learn More Vision Insurance Services

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Health Insurance in Texas

Apollo Insurance Group is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in Texas. 

Quick Facts About Health Insurance in Texas

Health Insurance in Alabama

Texas uses the federal Marketplace as its ACA Exchange.

Health Insurance in Alabama
Open Enrollment for On-Exchange plans will be from November 1 – December 15.  
Health Insurance in Alabama
Off-Exchange plans offer year-round enrollment. 
Health Insurance in Alabama

Apollo Insurance Group can help broker plans from 21 different carriers. 

When to Enroll in Texas Health Insurance

Enrolling in health insurance in Texas is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2023 – December 15, 2023. To enroll outside of Open Enrollment, you will need a qualifying life event. 

With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round. 


Texas Health Insurance
Apollo Insurance Group - Agents

How to Enroll in Texas Health Insurance

To enroll in a health insurance plan in Texas, contact us now. We will work with you to find the best plan for your budget and needs. 

Health insurance in the United States is a complicated beast, and Texas is no exception. Let one of the experts at Apollo Insurance Group guide you.  

This is just a brief overview of health insurance in Texas. For a more in-depth breakdown, read our article on individual health insurance.

Health Insurance in Texas – What You Need to Know

In Texas, health insurance plans come in many forms, with varying levels of coverage. It is best to know what is covered in order to make an informed decision. For example, Bronze plans are less expensive than Silver plans, and they usually offer cost-sharing reductions. Bronze plans do not require genetic tests, or ask for family health history.

Bronze plans are cheaper than Silver plans

Bronze plans offer the lowest monthly premiums but only cover 40% of covered services, making them suitable for those who visit the doctor frequently and prefer lower upfront costs. They also allow for contributions to a health savings account (HSA) for qualified medical expenses.

Silver plans have slightly higher premiums than Bronze plans but cover 60% of costs, with lower deductibles, making them a better option for those with incomes below 200% of the Federal Poverty Level (FPL). For higher incomes, a Gold plan may be more suitable due to lower deductibles.

The price differences between Bronze and Silver plans are influenced by the federal ACA risk adjustment program. Choosing the right plan is essential, and Texas has streamlined the process for consumers.

Healthy individuals who don’t require frequent medical care may find Bronze plans appealing, but they have high out-of-pocket costs and higher deductibles.

Health insurance in Texas is categorized into tiers based on deductibles and coverage percentages, with Bronze plans having the lowest premiums and highest deductibles, and Silver plans offering extra subsidies for low-income groups.

Silver plans offer cost-sharing reductions

Silver plans in the individual and state marketplaces offer cost-sharing reductions (CSRs) of 70% on average, varying based on income. They come with different out-of-pocket maximums and deductibles. For individuals making 140% of the federal poverty level, the maximum annual out-of-pocket amount is $2,850.

To find the best silver health insurance in Texas, look for plans with cost-sharing reductions to lower monthly bills. Qualifying for premium tax credits and cost-sharing reductions is possible if your income is below the limit for a Silver plan. Individuals up to 250% of the federal poverty level may also qualify for CSRs, automatically included in silver plans, reducing out-of-pocket expenses by about 67%.

The silver plan is a budget-friendly option, though cost-sharing charges may not be as low as bronze plans. It provides premium tax credits, capping individual contributions based on income. However, some people with MAGI over 400% of the federal poverty level may not qualify for subsidies but may find lower-cost silver plans off the exchange.

Bronze plans do not ask about genetic tests or family history

In Texas, insurance companies cannot ask you about your family or genetic history if you are eligible for a health plan. In addition, insurance companies cannot ask you questions about your pre-existing conditions. If you live in a low-income household, you may qualify for free or subsidized health coverage. For example, Texas has a state Medicaid program, which provides free or subsidized health coverage to the poor, pregnant women, elderly, and certain uninsured children.

Austin, Texas

Austin, Texas Health Insurance

As a resident of Austin, it’s important to have health insurance coverage for yourself and your loved ones. Fortunately, there are many health insurance options available in the Austin area. From major national providers to local health maintenance organizations, Austin residents have access to a variety of plans and coverage options. It’s important to carefully compare these options, considering both the cost and the level of coverage provided. For those who may not be able to afford health insurance on their own, there are also government programs available such as Medicaid and CHIP (Children’s Health Insurance Program). No matter your budget or health needs, there is likely a health insurance option available for you in Austin. Make sure to do your research and choose the plan that best suits your needs.

Dallas, Texas Skyline

Dallas, Texas Health Insurance

If you live in Dallas, Texas and are looking for health insurance that fits your budget and lifestyle, then you’re in luck! This dynamic city provides so many options for providers and plans. Whether you’re self-employed or need extra coverage for a family member, there’s surely an insurer in Dallas to suit your needs. From traditional managed care to high-deductible catastrophic plans, there is something here for everyone. Plus you can enjoy being part of the thriving healthcare industry in Dallas – one of the largest cities in the U.S. – as well as receive great local customer service whenever you have a question or concern.

San Antonio, Texas Health Insurance

San Antonio, Texas residents are fortunate to have numerous health insurance providers available to them. With San Antonio’s large population and wide variety of health care needs, it is important to find a health plan that best suits your requirements. San Antonio residents have the chance to compare coverage options side by side and ensure they are receiving value and access to quality healthcare. With this wide range of insurance plans available, San Antonio has become a hub for affordable, quality healthcare services in South Texas.

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