How to Buy Short-Term Health Insurance in Texas

Do you need health insurance that can cover your medical costs in case of an emergency? Need it soon? Short-term health insurance might be what you’re looking for. Short term health insurance in Texas can start as soon as the day after you apply.

Can I Buy Short-Term Health Insurance in Texas?

Yes, you can buy short-term health insurance in Texas for durations of up to 12 months at a time and may be able to renew your policy for a total of up to 36 months of coverage.¹ If you are one of the 5.2 million uninsured Texans,² short-term health insurance could be a first step towards having coverage. 

When you begin looking to cover a certain period of time, keep in mind that these duration limits may change. That’s because Texas can change its duration limits and benefit requirements at any time. 

Who Should Consider Texas Short-Term Health Insurance? 

You should consider Texas short-term health insurance if you are generally healthy, have no pre-existing conditions, and don’t need routine care. If cost is a serious consideration for you, know that the average plan premiums in Texas are around $245 per month.*

For the most part, Texas’ temporary health insurance can be a practical solution for people experiencing a gap in coverage. For example, you may be transitioning between jobs and have a break between employer coverage. You could have retired before your Medicare coverage begins. Or, you could have simply missed the Open Enrollment Period. 

Before you decide that a short-term plan is right for you, there’s some important information you should know. First, short-term health insurance typically has limited benefits. This means that most plans cover primarily emergency services. Second, you can be denied coverage if you have a pre-existing condition. 

How to Get Enrolled in Short-Term Health Insurance in Texas 

HealthMarkets is here to help you find your Texas short-term health insurance options. We can help you view plans, compare benefits and costs, and apply for a policy. Start shopping for your plan today!

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References:
1. Kaiser Family Foundation. 2021. Retrieved from https://www.kff.org/other/state-indicator/total-population/?dataView=1¤tTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D. Accessed May 4, 2021. | 2. Texas Department of Insurance. Retrieved from https://www.tdi.texas.gov/consumer/alternative-health-plans.html. Accessed May 4, 2021. 

Disclaimers:
*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Houston, TX.