subject: Texas Health Insurance - The Limits Of The Law [print this page] Texas does abide by federal law that protects you and your health insurance. They also have laws that supplement this protection for residents of the state. However, there are limits to Texas health insurance laws, just as there are limits to federal laws. There are certain circumstances that are not covered by either. It is best that a policy holder becomes familiar with the limits of the laws regarding health insurance. This education will help you if you ever find yourself in any of these situations. For most of them, preventative measures can be taken, to ensure that you don't fall into these circumstances.
One of the most important limits of the Texas health insurance laws is your employer does not have to provide health insurance for you. This may seem shocking, but it's true. If you're changing jobs, this can really hurt you in the long run. Perhaps you had health insurance provided by your last job. This doesn't mean that your next employer will provide health insurance for you. And, unless you exercise your rights under COBRA, you can't take your health insurance with you from your old job to your new one. This means that you'll be paying for health insurance out of pocket. Additionally, if you've gone more than 63 days without health insurance, you must go through the qualification exclusion period for a pre-existing condition all over again. What if you find you need an individual health insurance plan? This could prove to be problematic in Texas. Health insurance companies are not limited in any way on how much they can charge you for an individual health plan. You may find the prices too steep for your liking. Truthfully, nothing can be done about it. You may qualify for government assistance, but if you don't, you'll find yourself wondering how you're going to be able to afford health insurance. Your individual health plan also depends on your health status. What does that mean?
Simply put, private insurances have no restrictions against who they turn down, what they charge, and choosing what they'll pay for and what they want. They can charge you according to age, sex, and anything else they can think of. Texas health insurance laws are also limited when you apply for a new job as an individual, because your health insurance may not kick in right away. While insurance companies have limits on how long their waiting periods are, employers providing health insurance suffer no such boundaries.
by: Charles Peeler
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