Texas individual health insurance plans are for individuals not covered by a group policy or who are not self-employed. Individual policies have often been misinterpreted to mean that it is only for one individual. That is not true. An individual policy can be purchased to cover the entire family. The "individual" part is simply to differentiate between the policy being a part of a group plan offered by employers of companies employing more than 50 and the individual purchasing coverage independent of employment.

Texas individual health insurance policies are underwritten medically. In most states, the insurer has the right to reject any application or attach riders to eliminate coverage for pre-existing conditions in an individual policy. Other states require the insurer to offer a policy regardless of any health issues that might exist.

More about Texas Individual Health Insurance

If you and those to be insured on your plan are healthy, the cost will not be as much as for those individuals needing coverage for ongoing medical problems. If you are accepted for coverage, the cost of the premium will be increased in proportion to the expected cost of care for pre-existing issues. Conditions such as asthma and fibromyalgia may exclude you from any coverage with some companies.

If you need Texas individual health insurance, take advantage of the online price quotes to find the best coverage for the least amount of money. The same coverage may be offered by several companies and each company will have a different premium attached. It pays to do some price comparison before enrolling.