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Obamacare in Texas

The Affordable Care Act has granted healthcare access to approximately 1,205,174 Texas residents, joining the 11.7 million consumers nationwide. Most Texans enjoyed additional tax credits and subsidies which averaged $239 per month through the healthcare exchange.

ACA, or Obamacare, as it is commonly called, also allows parents to keep their children on their policies until the age of 26. In Texas, the number of uninsured dropped 4 percent lower than the previous year. Those with pre-existing conditions, under the new Obamacare auspices, cannot be excluded or charged additional rates or fees. With the 80/20 rule, participating insurance carriers must place at least 80 percent of the revenue into the program, allowing only 20 percent for administrative costs, thus guaranteeing that the pricing stays low for consumers.

To learn more about Obamacare in Texas, and to see how much subsidies a person might qualify for, choose from the topics below:

  • Did Texas accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Texas?
  • Eligibility for Obamacare in Texas
  • How to apply for Obamacare in Texas
  • Health plan cost and availability in Texas

Did Texas accept the ACA Medicaid expansion?

Obamacare in Texas covers a vast majority of the population, however, the Affordable Care Act Medicaid expansion was not adopted by the state. What concerned state legislators was the ACA Medicaid expansion cost to states, which would eventually mean that the state would have to increase the cost of healthcare, or raise taxes.

What is the expansion of Medicaid? Shortly after the launch of the healthcare initiative, it was discovered that those in the mid to lower quartiles were still not able to afford healthcare, but were also not impoverished enough to qualify for Medicaid. Congress adjusted qualifying income to 133 percentile below poverty level. In Texas, the Obamacare Medicaid expansion would have qualified an additional 1,208,000 beneficiaries. Texas does have the option of changing its mind on the ACA Medicaid expansion, and can enroll at any time.

The TX Obamacare Medicaid application is still available under the old guidelines, and the Medicaid program is still intact, but does not take into account the new expansion. Obamacare Medicaid eligibility, rules, and regulations will continue to be the same as well.

What is the Obamacare Medicaid expansion, and how will it affect residents of Texas? Since Texas did not opt to take advantage of the expansion, Texans will only be affected in that those who were unable to afford healthcare insurance will have to seek out other means of meeting their healthcare concerns. Otherwise an applicant can apply through the healthcare marketplace to see if there might be additional tax credits or subsidies to make healthcare more affordable.  Obamacare Medicaid expansion details can be accessed in detail both online, or through state run agencies.

Does the state or federal government run the health insurance exchange in Texas?

What is the health insurance exchange in Texas? The healthcare exchange, sometimes called the healthcare marketplace, is federally facilitated and maintained, but administrated by the state of Texas. As such, it is run by the federal government, which saves the state on maintenance and updates. Obamacare health insurance exchange sites offer TX residents a way to comparison shop for the best healthcare plans to best suit their needs. Once logged in to the Obamacare healthcare marketplace, Texans can view the plans for which they qualify, as well as see how much tax credits, discounts, or subsidies they may qualify for.

For those who are wondering specifically, “What is the marketplace for health insurance?” the site is the most efficient way for TX consumers to view all of the plans, their associated costs, and the coverage in order to make an informed decision on their own healthcare. As the Marketplace is regulated by the federal government, consumers can be assured that they must follow health insurance exchange regulations, and that subsidies, discounts, and tax credits will be applied accordingly.

Eligibility for Obamacare in Texas

As far as who is eligible for Obamacare in Texas, the requirements are not stringent. The TX Obamacare coverage eligibility requirements stipulate that the applicant meet the following:

  • You must be a resident of the county.
  • You must be a U.S. citizen.
  • You must not currently be incarcerated.
  • You must provide proof of residency, income and household demographics.

For those who are wondering, “What are the requirements to apply for Obamacare in TX, especially if I am not low-income?” the procedure for applying is the same. Obamacare does not exclude anyone from receiving coverage, so those worrying about how to qualify for Obamacare in Texas, need not be concerned about eligibility. Those who are offered insurance through their employer can continue to do so, while those who do not have insurance can go to the Texas healthcare exchange online and find a plan that best suits their family’s needs.

How to Apply for Obamacare in Texas

What is needed to sign up for Obamacare in Texas? In Texas, applying for Obamacare only requires the applicant to have a few key pieces of information and documentation with them. Those who would like to know how to get Obamacare, need to know that open enrollment is November 1, so new applicants should gather documents prior to this date.

“What do I need to apply for Obamacare in Texas?” many first applicants ask. Overall those applying will need to prove income level by providing tax returns or pay stubs. Current insurance plans, social security cards, and personal ID are also good to have on hand. Many applicants also wonder where to apply for Obamacare in their Texas county, or they ask “Can I apply online for Obamacare in TX?” As to how to apply for Obamacare insurance, applicants can easily access the Marketplace online, as it is the fastest and most efficient way to select a plan. However, for those who would prefer an alternative and would like to know how to enroll in Obamacare in Texas offline, the forms can be picked up or printed out, and mailed in to the address listed on the application. Applicants can also call the toll free number provided for assistance in filling the forms out, or the negotiator on the phone can fill one out for the applicant as well.

Health Plan Cost and Availability in Texas

In Texas, the Obamacare health insurance plans costs will vary depending on an applicant’s particular set of circumstances. How much does Obamacare cost in TX?  As far as Obamacare health insurance price estimates, a family of four, making a combined salary of $42,000 a year, selecting the silver plan, would pay a monthly premium of approximately $180. Applicants can select from a bronze, silver, gold, or platinum plan, as well as catastrophic. As to the question, “How much will Obamacare insurance cost me?” the answer will vary with each applicant’s situation and personal statistics. Currently, there are 14 carriers with many plans available to fit all budgets, households, and medical conditions.