Health Insurance Texas has to offer

Health insurance in Texas is something that is on the minds of many people, especially as they ramp-up for the 2016 presidential election. Top on the list of topics that people are concerned about when discussing health insurance in Texas is the Affordable Care Act. Research shows that over the past 2 years, the demographics of individuals who are uninsured has stayed pretty much the same. However, as a result of the Affordable Care Act, the number of people without health insurance in Texas has declined dramatically. To get more information on how to obtain a health insurance quote, visit Texasquotes.com.

The largest group of people to be without health insurance in Texas are middle aged Hispanics who have lower incomes and do not have a college degree. This is based on information that was compiled by the Rice University’s Baker Institute.

Interestingly, while Hispanics are still the largest group of people who do not have health insurance in Texas, they are also the ethnic group that has shown the biggest advance when it comes to health insurance since the institution of the Affordable Care Act. Based on the information that has been collected, the number of Hispanics without health insurance in Texas in September 2013 was 61.2 percent. Now, as of March 2015, approximately 57.1 percent of Hispanics do not have health insurance in Texas. This is the largest drop per ethnicity in uninsured rates in the state of Texas.

The president of the Episcopal Health Foundation said that she did not find the study to be surprising because Hispanics represent the largest group of uninsured in Texas and had the farthest to go. However, she also so said that they are very encouraged as a result of the vigorous outreach programs directed towards Hispanics in Texas that has led to an increase in health insurance.

However, reports show that there is still an overall increase in the number of low income individuals in Texas who are uninsured. In September 2013, approximately 63.2 percent of poor individuals in Texas were uninsured. This number rose to 66.9 percent in March 2015.

Commenting on this phenomenon, Vivian Ho, who holds the chair at the Baker Institute in health economics, said that it is unlikely that the number of poor individuals without health insurance in Texas will decrease. To the contrary, she estimates that it will rise over the next few years. According to the law, individuals who are too poor to afford subsidies should receive coverage under an expansion of Medicaid. However, Texas is one of the 20 states that has decided not to participate in this aspect of the law. It is estimated that in Texas approximately 1.5 million people would qualify for coverage under Medicare if the state participated in this aspect of the law.

The price of health insurance in Texas is too high for many people. A poll that was done of uninsured individuals showed that the number one reason why they stayed uninsured was that they could not afford health insurance in Texas even if they qualify for federal subsidies.

People who are battling to just pay the rent find paying even small amounts for insurance in Texas as something that is unimaginable. Couple that with a tradition of not having insurance and it is clear to see why so many low income individuals in Texas do not have health insurance.

The benefits to individuals who have health insurance in Texas are innumerable. They have a higher quality of life, they are able to receive screening for and prevent relatively minor sicknesses from becoming life-threatening illnesses, and they are able to catch things like cancer, diabetes, and heart problems before they become life-threatening. Undoubtedly, health insurance in Texas is something that will be on the minds of the populace and politicians for years to come.

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