Best Health Insurance Agencies in San Angelo

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 benefits must San Angelo health insurance companies provide?

  San Angelo health insurance companies are required to provide certain benefits, such as brain injury treatment, 3D mammogram screenings, pediatric services, and diabetes care management programs. Among the other benefits are reconstructive surgery, off-label prescription drugs, and durable medical equipment. However, the insurance companies are not required to sell standardized health plans.

• Can you get health insurance coverage if you have a pre-existing health condition in San Angelo?

  Yes, even if you have a pre-existing medical condition, you can obtain health insurance coverage as a San Angelo resident. Health insurance companies in Texas are no longer allowed to deny coverage, charge more, impose waiting periods, or deny treatment to anyone with pre-existing conditions as a result of the Affordable Care Act.

• When are you exempt from the individual health insurance mandate and tax penalties in San Angelo?

  As a San Angelo resident, you may be exempt from the individual health insurance mandate and tax penalties if you are in the country illegally, in prison, have religious objections, or the cost of health insurance coverage exceeds 8% of your household income. You may also be exempt if you have hardship waivers, your income is at or below the poverty line, or you are not covered for more than three months of the calendar year.

• How do most San Angelo residents get health insurance?

  Most San Angelo residents obtain health insurance through their job or their spouse's job if their employer provides it, an insurance company or agent, a parent's plan until they reach the age of 26, or through college with a student plan. Local residents can also get health insurance through the Federal Health Insurance Marketplace, a membership, union, or church, and government programs like Medicaid or the Children's Health Insurance Program.

• How long do pregnant mothers get health care insurance coverage after childbirth in San Angelo?

  In San Angelo, low-income pregnant women and families on Medicaid can get healthcare insurance for up to a year after giving birth. The state of Texas increased postpartum Medicaid coverage from 60 to 365 days in June 2023. The new legislation is expected to go into effect by the end of 2023.

• 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.