The world of healthcare is going to change rapidly over the next four years, especially with the new policies that a completely Republican-controlled Congress and President Elect Donald Trump are expected to usher in.
The Affordable Care Act is anticipated to be completely repealed and replaced with something else entirely (though no one can be completely sure of what that replacement will be just yet), and the sky-high prices and rock-bottom levels of coverage provided by Obamacare will be a problem of the past – or so most people expect.
At the same time, the odds are pretty good that there will be no real dramatic changes to the world of Texas healthcare insurance for at least a year or more. Those that need coverage right now – this minute – to protect themselves and their families are going to need to work with the existing rules so that they are able to enjoy comprehensive coverage should something happen to them or their loved ones.
Here is a quick guide to help you better understand the current landscape of healthcare insurance with information to help you anticipate any future changes so that you don’t have to worry about coverage eliminations.
Texas healthcare insurance open enrollment is still in effect
If you have yet to secure healthcare insurance you’re going to want to do so under the “open enrollment” block of time that the Affordable Care Act as instituted to. You’ll need to purchase healthcare insurance the state exchange between November 1, 2016 and January 31, 2017 or you run the risk of going without any healthcare insurance for all of 2017.
Now, it’s likely that within the first 100 days of the 45th President of the United States term that Donald Trump will do away almost completely with this kind of individual mandate, but no one is quite sure of how things are going to shake out just yet.
So if you need health insurance for 2017 it’s best that you jump on board with a policy within this open involvement block to guarantee that you do not go without insurance for the time being.
Research your options on the marketplace and then contact companies directly
A lot of people without individual Texas healthcare insurance have been misled to believe that the only way for them to purchase health insurance is directly through the state marketplace, but nothing could be further from the truth.
Individuals in Texas also have the opportunity to contact insurance companies operating within the state to purchase plans directly from them, often at a significant discount compared to the plans that have been outlined on the local state or federal government level.
It’s always a good idea to look at the marketplace first to get a better feel for the kinds of plans that are available and the overall prices of those plans before you then began to research different health insurance companies around the state of Texas that may be able to offer you better coverage at that are prices.
If, as President Elect Donald Trump as promised, that he does away with the rules and laws that limit competition nationwide for insurance companies you may soon be able to purchase your insurance from ANY company in the nation – at a considerably discounted rate.
Insurance competition will drive down the prices of insurance (which have been climbing to record highs because of the Obamacare legislation), and most folks might finally be able to protect them and their families with the kind of affordable Texas health insurance that simply wasn’t available in the past.
Again though, it’s really quite difficult to understand exactly what kind of impact new Republican focused health insurance rules, regulations, and laws are going to have on the overall market over the impact that these new rules and regulations, and laws have on everyday American lives.
Health insurance in the state of Texas – and across the rest of the United States, for that matter – is one of the most important yet decisive things that our nation needs to address, and we need to go about addressing it ASAP.
Move forward only with insurance companies you know you’re going to be able to trust
At the end of the day, you need to fully research and completely vet all of the Texas healthcare insurance companies that you are interested in moving forward with before you pull the trigger and decide that they are the right service for you.
Google will be your best friend during this research process, and you’ll not only want to research the prices that they make available but the specifics regarding their coverage, their incentives, their discounts, their claims process, and the reputation that they enjoy throughout the great state of Texas.
Without that information you simply can’t make a reasonable and conclusive decision about a specific insurance company. But with that information you won’t ever have to worry about whether or not you are truly protecting those that you care about most.