eTXHealthinsurance Shares Stories of Savings on Texas Health Insurance to Fight High Uninsured Rate

July 13, 2011 - PRLog -- Despite the rise in the cost of health insurance, Texans are learning to save on both premiums and out-of-pocket costs for health care.  eTXHealthinsurance publishes their stories to show how Texans have reduced their premiums, matched coverage to unique situations and lowered their taxes with a specific type of insurance known as Health Savings Account Plans.

Many people feel that their situation is unique, but more Texans are learning how to benefit from shared success stories that can be applied to personal health care needs.  With health care reform, more opportunities have opened up and consumers can now take advantage of certain forms of coverage that would not have met their needs just a couple of years ago.

For example, health insurance that requires Texans to meet a deductible by paying for a pre-determined amount of health care used to discourage them from obtaining care that could prevent serious disease.  Plans purchased this year don’t present that problem.  Regardless of the amount of a plan’s deductible, the policyholder can get complete coverage for recommended preventive health care services from in-network providers.

That change alone has transformed high-deductible plans into a viable option for many Texans who need few services beyond regular exams and vaccinations.  This type of coverage is a good fit for people like Mark Davenport, a 23-year-old grad assistant and student in Houston.  Even though children can remain covered under their parent’s policy until age 26, Davenport chose to get his own high-deductible plan for a much lower rate than standard co-pay plans offer.  

High-deductible plans that are popular for low rates are also a viable option for family coverage this year.  An Austin agent used the example of small business customers who switched to a high-deductible Health Savings Account (HSA) plan in order to afford to maintain coverage.  

Agent Misty Baker said, "Soon after, they were blessed with three beautiful babies. Like all infants, those babies needed lots of preventive care.  One of the strong points of their HSA plan - in addition to lower premiums - is that it covers all the well-baby care.”  Without having to meet the plan’s deductible, routine immunizations and well-baby check-ups were covered even on a plan that was less expensive than standard co-pay policies.

By publicizing such stories of how Texans have cut their health care expenses, eTXHealthinsurance strives to increase Texas health insurance coverage in the state with the second highest uninsured rate in the nation.  Even with the present high cost of health plans, Texans can learn from these examples of how other consumers have found low-cost coverage to fit a variety of different circumstances.

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eTXHealthinsurance has become a leader in providing educational resources that enable Texas families, individuals and small businesses to keep their healthcare costs low. Online information explaining how to keep premiums and out-of-pocket costs down is available at http://www.eTXHealthinsurance.com/how-to-guide.htm and http://www.eTXHealthinsurance.com/health-savings-accounts....

Texas residents seeking health insurance options in the individual market may use eTXHealthinsurance online resources to compare plans and apply online. Individuals and small companies may also schedule consultations with professionals to compare coverage options by calling 1-866-585-7664 between 9 AM and 11 PM Eastern.

eTXHealthinsurance also provides tools to lower healthcare costs that are not covered by insurance at http://www.eTXHealthinsurance.com/additional-benefits.htm.