Affordable health insurance in Texas

Below are some points that could help consumers to get affordable health insurance in Texas:

• Texans with group health insurance can’t be denied or limited in terms of coverage. Such consumers cannot be asked to pay more because of their health status. Further, such consumers can’t be offered exclusion of pre-existing conditions.

• Texans cannot be dropped from coverage when they get sick.
• Consumers with preexisting conditions can get help for Texas Health Insurance Pool coverage if they are not HIPAA eligible.

• Texas Medicaid program helps Texans having low or modest household income with free or subsidized health coverage. Pregnant women, families with children, elderly and disabled individuals can get free health coverage through this program.

• Medicaid offers medical care to women who are diagnosed with breast or cervical cancer.

• Uninsured children in Texas may qualify for the Texas Children’s Health Insurance Program (CHIP) to get subsidized health coverage.

• Qualified residents of Texas could get free cancer screening through the Texas Breast and Cervical Cancer Control Program. Women, who are diagnosed with breast or cervical cancer through this program, can get medical care through Medicaid.

• A federal income tax credit can help Texans, who lost their health insurance and are receiving benefits from the Trade Adjustment Assistance (TAA) Program. This credit is called the Health Coverage Tax Credit (HCTC).

• Consumers, aged 55-65 and receiving benefits from Pension Benefit Guarantee Corporation (PBGC), may qualify for the HCTC.