Finding the best health insurance in Texas might sounds like a struggle, but you can get it through your employer, by buying a family or an individual plan on the healthcare.gov Marketplace, or by small business health options insurance program, if you need any health insurance for small business.
Interested in Bronze Plan?
When we talk about costing, Aetna offers the best value for money deals in bronze plans in Texas. Aetna’s bronze plan premium starts from $366.09 for a 35 year old female. additionally members of Aetna can get$0.00 urgent care and low cost or primary care through minute clinics. And all the Aetna’s plans are eligible for the premium tax credit, which can directly reduce your premium if you are eligible.
| Companies | Ratings |
| Blue Cross Blue Shield | 4.6 |
| Aetna | 3.9 |
| Oscar | 3.9 |
| United Healthcare | 3.4 |
Pros and Cons of all the companies
Blue Cross Blue Shield
Pros
- It has the highest average quality rating from NCQA national committee for quality assurance.
- It offers plans in every tier.
- It has a variety of management medical programs.
- It also includes dental coverage for adults and children.
- It provides 24/7 virtual visits.
- It is known as one of the health insurance in Texas
Cons
- The rating is below average according to JD power ranking in Texas.
- The rates of premium are high for bronze and silver pans.
Aetna
Pros
- It has the lowest premium for silver and bronze plan.
- It offers $0.00 of virtual care available for 24/7.
- No or low cost for MinuteClinic visits.
- It has the second highest customer satisfaction rating in the market.
- It offers eligibility for all plans for the premium tax credit.
Cons
- Gold plants are not as cost effective for individual with high health needs.
- Not often dental coverage for adults.
- Plans are only available in 3 tiers.
Oscar
Pros
- Lowest average rate of co-pays.
- Huge selections and options for health management programmes.
- Plans are available with $0.00 virtual urgent care add primary care also.
- The cost of prescriptions are low.
Cons
- Low plan rating from NCQA.
- There is no plan for adult dental coverage.
- Premiums for bronze and silver plants are expensive.
UnitedHealthcare
Pros
- Good rating by J.D power.
- It has one of the highest NCQA ratings as compared to the others in the market; some of the plants also include pediatric and dental coverage plans for adults.
- Many plans of this company offer free primary care visits.
- Good financial strength rating from am best.
- Cons
- It offers less plans as compared to competitors.
- No health management plan.
- It has expensive premiums
Conclusion
Blue Cross Blue shield BCBS is known for its best plans for health insurance in Texas. BCBS offers a huge range of plans and types, including plans with dental coverage for children and adults. BCBS has the highest average rating for good customer satisfaction and quality service from the NCQA national committee for quality assurance, though it does not stand as high according to JD power survey. Additionally the members get access to benefits like blue 365 discount program.
however, BCBS has comparatively expensive premium which makes it less recommendable buy the health insurance experts but if you don’t care about the budget then BCBS is an ideal option for you to choose. If you’re looking for more cheap and affordable health insurance plan, Aetna is a good option to go for.
Aetna has the cheapest premium for bronze and silver plants as compared to other companies in the market. after reading this article if you are still confused about which insurance company you should go for we advise you to go for BCBS, with that we also advise you to make your own research about best health insurance company in Texas before taking any decision based on information presented on this page.
