Health Insurance Options for Young Adults in Texas
If you’re a young adult in Texas who is not currently covered by health insurance, you may be wondering what your options are. The Affordable Care Act (ACA), also known as Obamacare, offers a number of different health insurance plans and financial assistance programs that can help you get the coverage you need.
Medicaid Expansion
One of the most important changes made by the ACA was the expansion of Medicaid eligibility. Medicaid is a government health insurance program that provides coverage to low-income individuals and families. Prior to the ACA, many young adults did not qualify for Medicaid because they were not disabled or did not have children. However, under the ACA, most young adults under the age of 26 are now eligible for Medicaid.
If you are a young adult in Texas, you may be eligible for Medicaid if you meet certain income requirements. To learn more about Medicaid eligibility and how to apply, you can visit the Texas Health and Human Services website.
Health Insurance Marketplace
If you do not qualify for Medicaid, you can purchase health insurance through the Health Insurance Marketplace. The Marketplace is a government-run website where you can compare different health insurance plans and find out if you qualify for financial assistance.
To qualify for financial assistance through the Marketplace, you must meet certain income requirements. The amount of financial assistance you receive will depend on your income and family size.
There are a number of different health insurance plans available through the Marketplace. You can choose a plan that meets your needs and budget.
Other Options
If you are unable to get health insurance through Medicaid or the Marketplace, you may have other options. You may be able to get coverage through your employer, or you may be able to purchase a short-term health insurance plan.
Short-term health insurance plans are not as comprehensive as ACA-compliant health insurance plans, but they can provide you with some coverage in the event of an emergency.
No matter what your situation is, there are options available to help you get health insurance. If you are not sure where to start, you can contact a licensed health insurance agent for assistance.
How to Find a Licensed Health Insurance Agent
There are a few different ways to find a licensed health insurance agent. You can:
Use the National Association of Health Underwriters (NAHU) agent locator tool.
Contact your state’s insurance department.
Ask your friends or family for referrals.
Once you have found a few agents, you can compare their services and fees and choose the one that is right for you.
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