What do Dolly Parton, ZZ Top, and La Grange, Texas all have in common, and how does health insurance tie into it? Well, if you are a film buff, you must know that the answer is The Best Little Whorehouse in Texas. Dolly starred in the movie, La Grange is a song about the town, and the city is the setting of the film and song. As for insurance, Fayette County is the backdrop of it all. We know that shopping doesn\u2019t top your list of the best way to spend your time, but perhaps relaxing into it may help a little. At CoverMile, we aim to help the process easier, showing you the best health insurance plans at the best prices in Fayette County.<\/p>\n\n\n\n
While we may be out of Open Enrollment<\/a> for 2023, you may have recently experienced a Special Enrollment Period you may be unaware of. If you have lost a job, are recently married, or have had a birth or recent adoption, you may qualify. There are also other options for health insurance, such as Short-Term Health insurance. Read on to find out.<\/p>\n\n\n\n 2023 Health Insurance Facts in Fayette County, Texas<\/strong><\/p>\n\n\n\n Texas is one of the highest-ranking states for health insurance enrollments. Fayette County was ranked among the top 50 of the top 100 in a 2022 US News study<\/a>. For 2023, Texas saw one of the highest exchange enrollments<\/a>, with 2.4 million individuals. Only Florida beat the Lone Star State.<\/p>\n\n\n\n Texas also holds the uninsured record at 22.1 percent; it has held this position since the exchange system was in its infancy.<\/p>\n\n\n\n Here are additional facts about health insurance in Fayette County, Texas.<\/p>\n\n\n\n Why Do I Need Health Insurance in Fayette County, TX?<\/em><\/strong><\/p>\n\n\n\n The Affordable Care Act was established for Americans to have access to health care in the United States. It once had been a federal mandate. However, in 2019, the law was overturned, and one can now legally choose to go without coverage in Texas. This can open the door to many issues one may not consider.<\/p>\n\n\n\n What are My Health Insurance Options in Fayette County, Texas?<\/strong><\/p>\n\n\n\n There is a need for individual and family healthcare<\/a> in Fayette County, Texas. You can purchase through the ACA Marketplace, or you can purchase directly from the health insurance company. There are benefits to each option.<\/p>\n\n\n\n Affordable Care Act\/Marketplace<\/em> \u2013 <\/strong>This is the method most individuals use to find health insurance in Texas. Signing up on the ACA Marketplace is simple. The website takes you through the steps to purchase the best insurance option for you and your family. You can also see if you qualify for premium tax credits and subsidies like cost-sharing reductions.<\/p>\n\n\n\n Direct Purchase<\/em> \u2013 <\/strong>If you already know you do not qualify for subsidies or you prefer to work with an insurance company, you can purchase directly. Rates can vary when you purchase off-exchange plans. They can also differ in what they offer, depending on the company and metal tier. If you have questions or doubts, it is always best to purchase through the Marketplace to take advantage of possible credits and subsidies.<\/p>\n\n\n\n You can contact insurance professionals at <\/em>CoverMile<\/em><\/a> to assist you with finding the best option for you and your family. We can assist you in determining your eligibility for ACA benefits and applying for health insurance.<\/em><\/p>\n\n\n\n Types of Insurance<\/em><\/strong> \u2013 Whether purchasing your insurance through the Marketplace or direct purchase, you will find that your plan gives you options; these are called networks. The primary three are HMO, EPO<\/a>, and PPO. These networks contract with facilities and doctors to treat patients. Some health insurance companies offer multiple networks<\/a>, while others, like Blue Cross Blue Shield of Texas, offer only one.<\/p>\n\n\n\n Short-term Health Insurance<\/em><\/strong> \u2013 <\/em>Short Term Insurance is health insurance that provides basic health insurance for a specific period of time. It can help those who are uninsured, outside of Open Enrollment and do not qualify for a Special Enrollment Period. It covers the insured for an initial period of 364 days but can be renewed for an additional 24 months. Be aware that Short Term Health insurance<\/a> has limitations. It does not cover preexisting conditions, maternity care, or prescription medication.<\/p>\n\n\n\n Top Three Health Insurance Companies with the Highest Star Ratings in Fayette County, TX<\/em><\/strong><\/p>\n\n\n\n With Texas holding the top spots for both the insured and uninsured rates, residents can take advantage of the companies that offer the lowest rates whether they are searching for a plan on the ACA marketplace or directly from a health insurance provider. Currently, three healthcare providers offer coverage to Fayette County residents.<\/p>\n\n\n\n We have listed them below according to their most recent premium increase and then by their current premium, highest to lowest.<\/p>\n\n\n\n Top Six Health Insurance Plans for Fayette County, TX<\/em><\/strong><\/p>\n\n\n\n Three health insurance companies offer Fayette County residents health insurance. We\u2019ve selected two of the best insurance policies from each of these three companies to review. We have refrained from listing premiums as costs change due to age, family size, and other factors such as tobacco use. They are currently listed from lowest premium to highest.<\/p>\n\n\n\n\n
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