Individual and Family Health Plans

Alternative Health Plans 2021

I'm pleasantly surprised by the affordability, coverage, and level of benefits of my favorite individual health insurance plan. I personally have this individual health insurance plan, myself! It's 1/3 the cost on average of most individual health insurance in the marketplace. It's a PPO network
The health plan is comprehensive coverage including preventative, emergency room, urgent care, physician visits, and prescription benefits, & hospital coverage and more. It has seven of the 10 minimum essential coverages. It's not guaranteed issue; there are health questions on the application. There are also pre-existing exclusions. BUT... It's worth looking into this affordable PPO individual health insurance plan. It's friendly insurance, friendly rates, and will bring you a friendly smile! It's an affordable health insurance option that works for most people.
There are better coverage & lower cost, affordable health insurance options. That's why you need an independent health insurance agent!

In 2021 Affordable Care Act (Obamacare) health plans in Harris County and Montgomery County. There are 87 Health Insurance ACA Marketplace Plans available in Harris county, Texas from 6 health insurance providers .

The starting minmal level of coverage is with a catastrophic plan that emphasizes coverage for hospitalization or serious illness. This plan has the lowerst premium and the highest deductible, coinsurance and out of pocket maximum. The insurers are BCBSTX, Oscar, Friday Health plans.
31 Bronze and expanded bronze plans that normally cover 60% coinsurance, high deductibles that must be paid before most benefits will be covered. The insurers are BCBSTX, Ambetter, Oscar, Community Healthchoice, Molina, Friday Health plans.
38 Silver Plans that typically cover 70% coininsurance. These plans normaly are used with the subsidy benefit. Plans cover doctor visits and other expenses before the deductible has to be met.
15 Gold Plans that cover with 80% coinsurance in most cases, with minimal deductibles and the highest premium plans.
Annual Open Enrollment official Affordable Care Act (ACA) Marketplace for Individual Health Insuance Plans. The dates are November 1st to December 15th. If you are looking for other options along side the ACA marketplace health plans, or if you are losing your Cobra plan coverage. Click here for a health insurance quote that could save you hundreds of dollars and shopping for better coverage options.
offers most coverage with lowest copays and deductibles.  Expect coverage to be at least 80% of the coinsurance.
With these plans the deductibe and coinsurance can be afforable with a subsidy.  Normally the coinsurance is at 60-70%. Find out if you qualify for a subsidy.

Individual and Family Health Insurance plans in Texas.

Metal Levels: Bronze, Expanded Bronze, Silver, Gold
This tier has the highest deducttble, copays and coinsurance. These plans are cheaper in premiums but comes with high out-of-pocket cost,, Usually the deductible and out-of-pocket maximums are the highest allowable by law. Expect the coinsurance to be the least in coverage at 50-60%.

Marketplace Individual Health Plans.

Prevent Medical Bankruptcy. Paying for out of pocket expenses, high deductibles and co-insurance costs are enough to sent you to bankruptcy when faced with a catastrophic health event.

Supplemental Insurance are plans that pay cash benefits to help you pay out of pocket expenses in the case of a medical event.

Network Available in Harris, County on and off Marketplace. Group or Individual.

Group and alternative individual plan Networks available in Houston and surrounding areas.

Health Maintenance Organization (HMO):

A type of health insurance plan that usually limits coverage to care from doctors who are contracted with the HMO. It generally will not cover out-of-network care except in an emergency. An HMO may require you to live in it's service area to be eligible for coverage. HMOs often focus on integrated care and focus on prevention and wellness.

Exclusive Provider Organization (EPO):
A managed care plan where services are covered only if you use doctors, specialist, or hospitals in the plan's network except in case of an emergency.

Preferred Provider Organization (PPO):

A network of Doctors, Hospitals and medical providers that are contracted, participating providers in the health plan. You pay less if you use providers that in the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost. You do not need a referral to see a Specialist and usually listing a Primary Care Physician is not necessary.

Alyssa Macaluso - Medicare & Health Insurance Independent Agent serving the Houston area, including The Woodlands and Tomball, TX. can guide you to the maze of healthcare options. Alyssa Macaluso - Medicare & Health Insurance Independent Agent is making your healthcare needs and concerns our top priority. Learn more about affordable health Insurance options available to you from Alyssa Macaluso - Medicare & Health insurance Independent Agent.