In El Paso, there are six main health insurance companies offering reputable and affordable (depending on your perspective, I suppose) health insurance. Health insurance premiums are fixed and no agent can offer discounts or different premiums, but East Coast Health Insurance only offers health insurance plans that we ourselves have had or would have.
We offer Aetna, AARP, Blue Cross Blue Shield of Texas, Cigna, Humana One, and United Health Care in El Paso. We don’t offer Celtic or Freedom, both of which have a high amount of insurance department complaints and other factors.
Get your own personalized El Paso health insurance quote or keep reading this brief overview of the El Paso health insurance market.
The El Paso Health Insurance Market
I ran some sample health insurance quotes in El Paso using a deductible of $2,500 and choosing only plans that offered office visit and prescription coverage before the deductible. Some of the companies have coinsurance or copayments that go up to $3,000, but most of them have annual out of pocket maximums of a total (including deductible and all coinsurance) of $5,500.
I ran these quotes on myself, a 34-year-old male, in El Paso and here are the results.
Aetna Managed Choice Open Access 2500
Estimated $167.00
Blue Cross Blue Shield of Texas – PPO Select Choice Plan V
Estimated $140.00
Cigna Open Access 2000
Estimated $191.00
United Health One – Copay Select 2500
Estimated $175.00
Humana One – Enhanced Copay 80
Estimated $155.00
Its pretty obvious that Blue Cross Blue Shield offers the most coverage at the lowest premium. If you have something against Blue Cross Blue Shield then I would recommend Aetna, even though Humana One offers the second most affordable plan. Aetna has never rescinded a plan while everyone else on this list has.
Additionally, if you are over 55 you should certainly consider AARP which will be most likely the most affordable in El Paso.
