Health insurance for Hispanic families in Texas: what to review before choosing

One application for the whole family

In the Marketplace you can include everyone in your household who is seeking coverage in the same application. Income and household size information is used to check whether you can receive help with the premium.

What to compare, besides the monthly premium

• Deductible: what you pay before the plan starts covering certain services.
• Copays and coinsurance: your share of each visit, test or medication.
• Out-of-pocket maximum: the limit you could pay in a year.
• Medical network: that the pediatricians, specialists and hospitals in your area are included.
• Prescription medications your family uses.

Children and preventive care

Marketplace plans include preventive and pediatric care. Review the details of the plan you choose and verify which pediatric services and preventive visits it covers.

Texas and Medicaid

Texas has not expanded Medicaid. Depending on your income and your situation, your family could qualify for the Marketplace, for other programs or for none. That's why it's worth reviewing your case before deciding.

When to enroll

Normally during Open Enrollment, or earlier if you have a qualifying life event. Prepare ahead of time so you can compare without rushing.

Advice in Spanish for your family

In Houston, Dallas, San Antonio and all of Texas we explain the options in Spanish and with no charge for the advice.