A family can obtain health insurance through multiple sources. First, it is through a family member\u2019s employer, and second, it is through the Marketplace. Both places have their benefits and can offer the best family health insurance plans<\/a> in Texas. With an employer, you would be locked into the provider and plans they offer, and there may be a waiting period before benefits begin. Through the Marketplace, you are free to choose your insurance company. However, you must wait until November and the Affordable Care Act\u2019s Open Enrollment to sign up. Timing is the real issue.<\/p>\n\n\n\n Most families purchase their health insurance through an employer. In fact, according to the Medical Expenditure Panel Survey \u2013 Insurance Component (MEPS-IC), sixty-three percent of Texas <\/a>private sector employees worked for businesses that offer healthcare benefits. This study also revealed that over a ten-year period,<\/a> insurance premiums have increased. For 2022, an employer-sponsored individual plan jumped to $7590 per year, and a family increased to $21,931 per year. It\u2019s no wonder more companies are looking to push the responsibility to the employee.<\/p>\n\n\n\n If you or your spouse has recently lost employer-sponsored health care, then you can find health coverage through the Marketplace. You may qualify for a Special Enrollment Period and enroll now versus waiting until November and the Affordable Care Act\u2019s Open Enrollment.<\/p>\n\n\n\n Every health insurance company is the same in that they offer health benefits that will meet your needs when you see a doctor or medical professional. We have the Affordable Care Act\u2019s 10 Essential Benefits to thank for that. However, the ACA does not explain how each company provides that coverage.<\/p>\n\n\n\n In your research, you will find varying deductibles, coinsurances, and out-of-pocket maximums. From there, companies add features that attract the insurance shopper. Among these can be Virtual Care, Mail Order Pharmacy, and bells and whistles such as gym memberships and discount programs. Here, we list what each offers and how it will benefit you.<\/p>\n\n\n\n The largest advantage Blue Cross Blue Shield of Texas has is that they are available statewide. They are the only health insurance company in our review that offers this benefit. By providing the most in-network coverage, when you need to see a doctor, you know you\u2019ll have options for your family. This helps because, as an HMO<\/a>, you are required to remain within your selected network or have reduced benefits or no coverage at all. The only exception would be in the event of an emergency where transportation to an in-network facility would be life-threatening. BCBS of Texas has two different networks, Blue Advantage HMO and MyBlue Health. The Advantage is their standard plan, and MyBlue Health is a low-cost option offered in select counties. Below, we are reviewing Blue Cross and Blue Shield of Texas Gold and Silver plans that offer the best benefits at the lowest premiums. These also offer the benefit of premium tax reductions. Silver plans include the addition of cost-sharing reductions. <\/strong><\/p>\n\n\n\n
To assist you, we have researched the best family health insurance plans in Texas and are providing you with our top four choices below. Our review will explain why we\u2019ve chosen them and what each company offers. It will also provide you with a plan coverage chart with four of their best plans.<\/p>\n\n\n\nFamily Health Insurance Options<\/h2>\n\n\n\n
Blue Cross Blue Shield<\/a><\/h2>\n\n\n\n
BCBS of Texas offers deductibles from $0 to $9450, depending on the plan you select. For 2024, they offer nine Bronze plans<\/a>, eleven Silver plans<\/a>, and nine Gold tier level plans<\/a>. Subscribers have the benefit of Blue365, a discount program where members can shop and save on wellness products and services such as hearing tests, eye exams, and dental services. Blue Cross Blue Shield of Texas also offers their subscribers dental insurance as an add-on benefit.<\/p>\n\n\n\n