East Coast Health Insurance offers five great Dallas health insurance companies to choose from for you and your family’s individual health insurance needs. To see all the plan choices, get your own Dallas health insurance quote now!
Dallas Health Insurance Market
We currently offer health insurance plans from Aetna, AARP, Cigna, Blue Cross Blue Shield of Texas, Humana, and UnitedHealthcare. And I know that is six companies, but AARP only offers health insurance plans to people over 55.
To give you a good idea of what to expect when shopping for Dallas health insurance, I ran a few sample health insurance quotes. If you are like me, then you will want a plan that covers office visits and prescriptions with a copay and not a deductible. Hospitalization and major medical services of course will have a deductible, so I chose a moderate base deductible of $2,500 and a maximum out of pocket of $5,000 for each company or as close as I could get.
The price leader in the Dallas health insurance market is Blue Cross Blue Shield of Texas as their Plan V, as they call it, has a deductible of $2,500 and a maximum out of pocket of $5,500 including all coinsurance, deductibles, and copayments. Thus, it is a little more exposure then some other companies which we will look at next. The premium for Plan V for a 34 year old male in Dallas is $179 per month. There are, of course, about 30 different Blue Cross plans to choose from, but this one is the best choice for comprehensive coverage with a little bit of risk to keep the premium down.
The runner up is Humana, whose Enhanced Copay 80 plan has a deductible of $2,500 and out of pocket of $5,000 ($500 less than Blue Cross) and also includes office visits and prescription coverage. The premium is very close to Blue Cross at $184 per month, though for a larger spending window per year, Blue Cross is a better choice with the same benefits. They also rank highest in the state for being such a great company.
Cigna came in third at $193, and is nearly identical to the Humana plan, though the deductible is $500 less and the annual out-of-pocket limit is $5,500, more comparable to Blue Cross. Aetna in fourth place is $219, which is quite expensive, but this is not their strong demographic. Aetna is very affordable for women and larger families including single parents and children. Additionally, Aetna underwrites AARP which is the best product for anyone over 55 years old.
Finally, UnitedHealthOne seems disinterested in selling health insurance in Dallas, as their premium is $250 per month, and is simply not affordable for many people in Dallas. Of course you might be the one demographic where they are affordable, so please do run your own health quote to see which company is the most affordable for you.