The Austin health insurance market is actually quite large, with 3/4 of a million residents and about 6 good health insurance companies to choose from.
We recommend click on the button above to get your own, personalized Austin health insurance quote, and reading my brief overview of the different companies available in Austin.
The Austin Health Insurance Market
I have highlighted 6 main companies in my research into Austin’s health insurance market including Aetna, AARP, Cigna, Blue Cross Blue Shield of Texas, Humana One, and a small HMO called Scott & White which looks not only affordable but extremely benefit rich and is a non profit company. But they are an HMO so if you prefer PPO plans you will want to disregard Scott & White.
Scott & White is closely affiliated with its sponsoring organizations, Scott & White Clinic and Medical Center. The Scott & White network includes over 1,600 providers and 27 hospitals in the central Texas area but is not nearly as big as Blue Cross for example, but I will tell you that you will have less out pocket with Scott & White and that they are easily the best bargain in Austin.
The next two companies that I found were Aetna and Blue Cross Blue Shield of Texas both of which offer a $2,500 deductible plan with office and visits and prescription coverage at nearly the same premium. For a 34 year old male in Austin Blue Cross and Aetna charge $153 per month for a $2,500 deductible. Which company is better? Either one is fine but the Aetna plan offers a lower out of pocket maximum per year (by $500) and better benefits before the deductible. Still Blue Cross has a slightly better nationwide network.
If you are over 55 however, then the answer is simple, AARP all the way. AARP is underwritten by Aetna in Austin and is not only affordable and benefit rich, but has a much more lax underwriting standard then anyone else.
The last two companies are Cigna and Humana One in Texas, with Humana One winning the unfortunate award for offering the least amount of health insurance for the most money in Austin and are hands down the most expensive plan. Cigna on the other hand is a new entrant to the market (2009 was their first year) and are pretty competitive in other demographics.
Your best bet? Run your own Austin health insurance quote now to see which plan is the most affordable for you.
