Options for Low Income Health Insurance in Texas: What You Need to Know

Options for Low Income Health Insurance in Texas: What You Need to Know

As healthcare costs continue to rise, finding affordable health insurance can be a major challenge for those with lower incomes. Fortunately, residents of Texas have several options when it comes to low income health insurance. In this article, we will explore the various options available, eligibility criteria, and the benefits of each.

Medicaid

Medicaid is a federal/state program that provides health insurance for eligible low-income individuals, families, children, pregnant women, and people with disabilities. In Texas, the Texas Health and Human Services Commission administers the program. To be eligible, individuals must have an income at or below 138% of the federal poverty level, which is currently $17,774 for an individual or $36,570 for a family of four. Medicaid benefits include doctor’s visits, hospital care, prescription drug coverage, and more.

CHIP

The Children’s Health Insurance Program (CHIP) is a state-administered program that provides health insurance to eligible low-income children and pregnant women who do not qualify for Medicaid. In Texas, the program is administered by the same agency that oversees Medicaid. To be eligible for CHIP, children and pregnant women must have income at or below 211% of the federal poverty level, which is currently $53,325 for a family of four. CHIP benefits include doctor’s visits, prescriptions, and dental and vision care.

Marketplace Insurance

The Health Insurance Marketplace, also known as Obamacare, is a federal program that provides health insurance plans for individuals and families who do not have access to affordable employer-sponsored health insurance. In Texas, the program is run by the federal government. To be eligible for a Marketplace plan, individuals must have an income between 100% and 400% of the federal poverty level, which is currently $12,760 to $51,040 for an individual or $26,200 to $104,800 for a family of four. Marketplace plans include essential health benefits such as preventative care, hospitalization, and prescription drug coverage.

Community Health Centers

Community health centers, also known as Federally Qualified Health Centers (FQHCs), are nonprofit organizations that provide primary care, dental, and mental health services to underserved communities. In Texas, there are over 70 FQHCs throughout the state. These centers offer a sliding fee scale for patients who cannot afford to pay full price for services. They also accept Medicaid and other insurance plans.

Conclusion

Health insurance is critical for maintaining good health and protecting your finances in the event of illness or injury. If you are a low-income resident of Texas, there are several options available to you, including Medicaid, CHIP, Marketplace plans, and community health centers. It is important to explore all options and determine which plan is best suited for your unique needs and budget.