Paul Zane Pilzer

  

  




State-by-State Guide to       

Individual/Family Health Insurance

 
The Texas Dept of Insurance
(512) 463-6169 (customer helpline)
www.tdi.state.tx.us/
Guaranteed Issue   
Community Rated   

TX



 

Average Cost for an Individual Policy Sold in 2004: $133/month*
(single, average age 33, healthy)
*From 82,000 policies sold nationally online in 2004, see first page of Appendix A.

Typical Healthy Individual/Family Coverage
 

Traditional Co-Pay
Policy*

HSA/High-Deductible
Policy*
  Single Family Single Family
Monthly Premium $117 $403 $77 $188
Annual Deductible $1,500 $4,500 $2,600 $5,200
Annual Out-of-Pocket Max $3,000 $6,000 $5,000 $10,000
Doctor Visit Co-Pay $25 $25 -- --
Prescription Co-Pay $10-45 + $200 ded $10-45 + $200 ded -- --
Lifetime Maximum $5 million $5 million $5 million $5 million
*Blue Cross Blue Shield of TX, PPO Select Choice; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Austin, TX 73301; quoted 4.25.04.
Unicare Life & Health Insurance Company HSA Compatible Plan 2 (Single)/(Family); single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5); quoted 4.25.04.

State-Guaranteed Coverage for
People with Preexisting Conditions

Texas Health Insurance Risk Pool*
Monthly Premium Annual Deductible Annual OOP Max Doctor Visit Co-Pay Prescription Co-Pay Lifetime Maximum
$364 $1,000 $4,000 $30/visit for 2 visits, then 20-40% $10-40 with $100 ded $1.5 million

*Texas Health Insurance Risk Pool Plan II $1,000 Deductible Area 2; single applicant (M/35) from Austin, Texas 78701; quoted 5.17.05 from www.txhealthpool.org.

Eligibility: (1) Texas resident for 30 days or permanent resident of the U.S. for three years, (2) less than 65, and (3) with evidence of uninsurability or uprating, or (4) federally eligible.

HIPAA-eligible individuals: Applicants are guaranteed acceptance into the Texas Health Insurance Risk Pool with no exclusions for preexisting conditions.

Excerpted from The New Health Insurance Solution

 
 
  ADDITIONAL RESOURCES FOR THE NEW HEALTH INSURANCE SOLUTION
   



New Health Insurance Solutions for individuals, families, self-employeds, and businesses.

  



View the basic chapter table, expanded topical table, and pdf table of contents.

  



View the html or download a pdf version of the October 2005 press release.

    



Read excerpts on each topic discussed in The New Health Insurance Solution.



Read full reviews of The New Health Insurance Solution by Newsweek, The Wall Street Journal, Forbes, etc.



Read selected portion of reviews by Newsweek, CNN, The Wall Street Journal, Forbes, etc.
   



Read endorsements of The New Health Insurance Solution.

  



View other books written by New York Times best-selling author Paul Zane Pilzer.

  



View contact information including phone numbers and email addresses for book publicist, author, etc.