Insurance in Texas: A closer look

Posted Saturday, Sep. 28, 2013  comments  Print Reprints
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More information Sample premiums from the Texas Health Insurance Marketplace Here are examples of annual premiums on the state’s online insurance exchange and the impact of federal tax credits for two sample households in Texas and in Dallas-Fort Worth.
27-year-old with $25,000 annual incomeFamily of four with $50,000 annual income
Monthly premium: second-lowest-price silver planMonthly premium: lowest-price bronze planMonthly premium: second-lowest-price silver planMonthly premium: lowest-price bronze plan
Before tax creditAfter tax creditAfter tax creditBefore tax creditAfter tax creditAfter tax credit
Texas$201$145$83$727$282$57
Dallas-Fort Worth$223$145$74$808$282$26
Source: Health and Human Services Department

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Tuesday marks the rollout of the Health Insurance Marketplace, a centerpiece of the Affordable Care Act. The marketplace, or the exchange, is an online health insurance shopping site.

Here are some facts for Texas and Tarrant County.

Insurance market

$24.3 billion: Total value of Texas health insurance policies written *

$5,772: Average annual premium in 2013 for employer-sponsored health insurance, employee-only coverage **

$16,001: Average annual premium in 2013 for employer-sponsored health insurance for family coverage **

$1,002: Average annual employee contribution, employee-only coverage

$5,031: Average annual employee contribution, family coverage

Insured and uninsured (2012)

14.5 million: Texas residents with private insurance

7.3 million: Texas residents with government insurance

5.7 million: Texas residents without health insurance (24.6 percent)

3.33 million: Texas Hispanics without health insurance (34 percent)

419,000: Tarrant County residents without health insurance (23 percent)

2.58 million: Texas residents who qualify for health insurance subsidies through the federally run Health Insurance Marketplace:

17.9 percent: Texas households below federal poverty level (2012)

16 percent: Tarrant County households below federal poverty level (2012)

3.67 million: Texas residents enrolled in Medicaid (January)

* For 2011 (does not include self-insured organizations)

** Data for South region, including Texas

Sources: 2013 Current Population Survey, U.S. Census Bureau; Texas Department of Insurance; Families USA, Kaiser Family Foundation

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