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Understanding Health Insurance For Texans Easier Than One Might Think For some people, mention the words "health insurance" and the eyes begin to glaze over. Medical Bankruptcies The Growing Reality Catastrophic illnesses are claimed to have triggered approximately half of all personal bankruptcies in the United States. According to recent findings from a Harvard University study, most people who go bankrupt because of medical problems also have health insurance. How You Can Reduce Medical Expenses For Texas Health Insurance Health care costs on the rise, but there are a number of ways to lower your medical expenses. Limited Benefit Health Insurance - Is It A Good Deal? These days, everyone is looking for ways to save money. Some have found that buying cheap health insurance is one way to go. And while this has its upside, you should be careful, because you may end up with a health crisis. Texas Health Insurance Basics Health insurance. Everyone needs it, but not everyone has it. And with medical expenses on a seemingly endless rise, paying out-of-pocket for them could land you in the poor house. So when choosing a health insurance plan, it's good to know the basics to help you make better, more financially sound choices when selecting a plan. Tax Considerations Of Texas Health Savings Accounts Since Health Savings Accounts (HSAs) were created by the Medicare bill signed into law in 2003 they are being considered by more and more Texans as a health insurance option. Pre-Existing Conditions And How They Can Affect Your Individual Texas Health Insurance There are nearly four million Texans with some type of "pre-existing medical condition." Besides having difficulty obtaining health insurance, these Texans may experience other insurance-related problems, including claim denials, higher premiums, cancellations, or refusals to renew their policies. Could President Bush's Healthcare Tax Plan Help Individuals? The healthcare insurance tax plan proposed by President Bush is designed to reduce the number of people who do not presently have health insurance - reported by the Census Bureau to be 47 million in 2005, or 15.9 percent of the population. Texas May Be Getting Smart About Health Insurance Cards Every individual who has health insurance in Dallas, Houston and elsewhere in Texas probably has an insurance card that he/she carries in his/her wallet. Politicians in Texas are considering taking this concept one step further by requiring health Health Insurance Options for College Students By the time graduation caps are tossed into the air, high school students will probably have been accepted to a college, picked a dorm and signed up for their courses. But is their health insurance securely in place? Smaller Employers In Texas Opt Out Of Insuring Individuals The U.S. Government Accountability Office recently reported that fewer employers in Dallas, Houston, throughout Texas and the rest of the U.S. are offering health benefits. Texas Hospitals Ask For Help To Make Health Insurance More Affordable And Accessible The Texas Hospital Association (THA) is urging lawmakers in Dallas, Houston and throughout the rest of the state to take the right steps to make health insurance more affordable and accessible to individuals in Texas. The state ranks first in the country in the percentage of uninsured residents (24.6%). Perma-Lancing In Texas, Without A Health Insurance Net For many self-employed individuals in Dallas, Houston and elsewhere in Texas, health insurance is the last thing they can afford. Those who work for themselves often say, "I can't afford to get sick. Period." The term "sick days" isn't even something that crosses their minds, let alone enters their vocabularies. Code Red: Texas In Crisis Over Number Of Uninsured The American populace has been sufficiently bombarded by information on the "health insurance crisis," the "healthcare crisis," the "community crisis." Despite living in a country where everyone is supposedly entitled to equal access, another horrifying and dismal piece of information seems to be released almost everyday on the declining state of healthcare for the uninsured and underinsured, Searching For The Shovel In Texas: The Young Are Digging Themselves Out Of The Healthcare Crisis Perhaps it shouldn't feel like suffering a personal wound when learning about the state of health care coverage in Dallas, Houston and throughout Texas, or anywhere else in this country but it does. In fact, for most of us, it really does. Keeping An Eye Out For Health Insurance Fraud In Texas Insurance fraud. It happens daily. There are a number of bogus health insurance companies and agents in Dallas, Houston or anywhere else in Texas who will take your money and run. Why Health Insurance Is Important To Young Individuals In Texas Young individuals in Dallas, Houston and throughout Texas are a pretty healthy group in general, but going without health insurance interferes with their access to the health care system, introduces barriers to care when it's needed, and leaves young individuals and their families at risk for high out-of-pocket costs in the face of severe illness or injury. On Your Own - Self-Employment And Health Insurance In Texas There are more than a million individual or family-owned businesses in Texas, and more people are contemplating opening their own business every day. For the small business owner, the same subject always comes up - self-employed health insurance. Out On The Edge - The Lack of Health Insurance Benefits For Nonstandard Workers In Texas A 2005 Commonwealth Fund white paper reported on two important trends in the U.S. workforce - the increasing prevalence of workers in part-time, temporary, contract or non-standard positions, and the decline in access to employer-provided health insurance. More Small Business Health Insurance Basics In Texas Because premiums, deductibles, copayments, and coinsurance levels for small business group health insurance policies in Texas can vary widely from plan to plan, it pays to shop around. Mom-And-Pop Shops In Texas Encounter Hurdles When Buying Health Insurance The results of an April 2004 Commonwealth Fund white paper* show that the economics of small business group insurance makes offering health benefits to employees is risky. And The Survey Says - New Numbers Regarding Small Biz And Health Insurance In Texas A 2006 survey, released by the health insurance trade group America's Health Insurance Plans (AHIP), offers a snapshot look at small group health insurance plans throughout Texas and nationwide. Small Business Health Insurance Basics In Texas Finding the right group health plan for your business can be downright intimidating: sorting through lists of insurance companies and plans; checking and re-checking the dollars and totals for deductibles and co-pays; making sense of plan limitations and exclusions; deciphering a dictionary's worth of insurance-speak. It's enough to make anyone feel like a high-school freshman again. A Spoon Full of Sugar - How to Save on Prescription Drugs in Texas With the cost of prescription drugs continuing to skyrocket, you need to stay savvy regarding the use of money-saving strategies. According to the Employee Benefit Research Institute, prescription drug expenditures, in Texas as well as throughout the U.S., grew at double-digit rates during almost every year since 1980. Getting The Most From Your Individual Health Plan In Texas How can you effectively utilize your individual health insurance plan? It starts by becoming an active participant in your own health and healthcare. Forming A Private Purchasing Cooperative For Health Insurance In Texas As stated by the Texas Department of Insurance, the Texas Legislature enacted three bills that allow small business employers to form cooperatives for the purchase of employer health benefit plans in Dallas, Houston and throughout Texas. Covering Your Smile And Eyes In Texas Paying out-of-pocket for yearly dental checkups probably won't break the bank. But what happens if you need more serious dental work? Whether you live in Texas or anywhere else in the country, a root canal or crown can easily cost more than $1,000. How Does a PPO Work In Texas? Many Texans shopping for individual health insurance do not understand what a Preferred Provider Organization (or PPO) is all about. A PPO negotiates discount arrangements with doctors, hospitals and other providers who accept lower fees from the insurer for their services. The Hidden Sting of COBRA In Texas Health Insurance If you lose your job anywhere in the US, including Texas, one of the many questions you'll have is: "Will I lose my health coverage, too?" What is Catastrophic Health Insurance? So your employer in Dallas, Houston or any place in Texas doesn't offer health insurance. Perhaps you can't afford to pay for a health plan. Or maybe you just don't want pay for health coverage because you're healthy enough that you feel "you don't need it." Short-Term Health Insurance - What are the Benefits? So you've just graduated from college, don't yet have a job and have just found out that you're no longer covered under your parents' health insurance plan. Maybe you've decided to leave your current job and look for a new one.

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