Best Health Insurance Agencies in College Station

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• What health insurance alternatives are available to unemployed individuals in College Station?

  There are several options available to unemployed College Station residents seeking health insurance. These alternatives include short-term, individual ACA coverage, COBRA continuation coverage, Medicaid or CHIP programs, Medicare coverage, and spouse or parent-offered health insurance plans. While unemployed, it may be difficult to afford health insurance, but it is best to have coverage to protect against the unknown.

• Does the state provide health insurance to College Station residents, and who is eligible?

  Yes, the state provides Medicaid to residents of College Station. The state-federal partnership covers qualifying needy people's medical expenses. Medicaid in Texas improves the health of those who might not otherwise receive medical care for themselves or their children. Texas residents, U.S. nationals, citizens, permanent residents, and legal aliens with low or very low incomes who need health care are eligible. Additional eligibility requirements include pregnant, responsible for a child under 18, blind, having a disability, or a family member with a disability, or 65 or older.

• Can you add your partner to your health insurance in College Station?

  Most insurance companies in College Station and throughout Texas allow domestic partners to purchase health insurance with the same benefits as married couples. They can live together and share responsibilities without getting married. This includes same-sex, heterosexual, and non-binary relationships. Your domestic partner is eligible for spousal benefits under your plan. The insurance policy can also cover any children you have living with you.

• Can you keep your medical insurance in College Station after the divorce?

  Yes, ex-spouses in College Station can keep their employer-provided medical insurance for 36 months after the divorce under Texas law. This statute governs COBRA medical insurance. If the ex-spouse has joint custody, dependent children on COBRA can be enrolled in health insurance for 36 months or longer. To avoid being dropped from coverage, you must submit an application, which may include dependent children, to your ex-spouse's place of employment. The policy can be extended for up to three years.

• How does health insurance affect spousal support in College Station?

  Different rules might apply if an ex-spouse in College Station obtains private health insurance through work rather than COBRA. Some alimony agreements mandate one spouse to pay medical insurance until the agreement ends. Ex-spouses can acquire medical insurance with higher monthly alimony in some situations. However, health insurance may not be included in spousal assistance. It is best to discuss healthcare insurance in your divorce settlement to cover you and your children. It promises 36 months of COBRA or an individual healthcare plan for alimony.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.