Health Insurance in Austin TX

Health insurance is now mandatory for all U.S. citizens. That doesn’t mean it has to be expensive. Britton & Britton knows where to look to obtain health insurance coverage that won’t break your bank.

Do you miss the chance to enroll in a health plan prior to January 31st of this year? Short Term Medical℠ can tide you over until their next chance to enroll in health insurance or when between jobs. With policy terms ranging from 30-360 days, Short Term Medical℠ is just the product to cover gaps in your schedule.

mother and son with doctor

Health Insurance Policies

Insurance for healthcare is split into 2 categories according to the size of your household.

Individual Health Insurance Plans

These are health insurance plans that cover only a single person. Individual health insurance plans are subsidized by tax incentives that allow those who must buy their health insurance privately to afford healthcare.

Most health insurance plans have a yearly maximum that you must pay out of pocket for healthcare. Included in the yearly maximum are your:

  • Deductible
    The amount you pay for medical care up-front
  • Premium
    The amount you pay monthly for insurance
  • Coinsurance
    The amount you pay out-of-pocket after your deductible
  • Copayments
    The amount you pay out-of-pocket before your deductible

Once you have reached your yearly maximum of payments, your insurance covers any additional medical care that falls under your health insurance policy.

Healthy individuals can save on health insurance by opting for a larger deductible, allowing their monthly premium to be reduced. Individuals who need more thorough care can choose to pay higher premiums with a lower deductible.

Did you miss the chance to enroll in a health plan prior to January 31st of this year? Short Term Medical can tide you over until the next chance to enroll in health insurance

Health Insurance Plans

Short Term Medical℠ can tide you over until their next chance to enroll in health insurance or when between jobs. With affordable pricing and policy terms ranging from 30days to 360 days, Short Term Medical℠ is just the product to cover gaps in your schedule.

Family Health Insurance Plans

These are health insurance plans that cover individual members of a household or the family. Family plans place family members of a household under one insurance policy.

Some family plans can be subsidized by tax incentives, but use combined household income to determine eligibility.

Health Savings Account

A health savings account or HSA is a savings account for U.S. citizens enrolled in a High Deductible Health Plan that benefits from tax incentives. Money placed into an HSA becomes income that is not taxable by the U.S. government. Health savings accounts are owned by the account holder instead of a private insurance company. Funds deposited in an HSA are eligible to be withdrawn to pay for qualified medical expenses.

An HSA gives you more power over the medical care that is covered by your money. They help you save for future medical care and allow you to pay up front for medical costs without worrying about falling into debt.

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Your health insurance options are numerous, but the experts at Britton & Britton are here to help. Give us a call and we’ll pair you with an agent that can help you find the plan that fits your medical needs and your bank account.

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