(Note: The recommendations reflect StretchDollar's perspective. Consult a broker for complex health inquiries.)
The marketplace, also known as a health insurance exchange, allows individuals and families to shop for health insurance. Established by the federal government, it mandates that listed health plans provide comprehensive benefits.
In 2019, the government introduced ICHRA (Individual Health Reimbursement Arrangement), a unique way for small businesses to offer health benefits. Through ICHRA, business owners can give pre-tax money to employees for purchasing their own health plans from the marketplace. More employees than ever before are shopping the marketplace. Let's explore the options.
Where you live can affect your health insurance options. Luckily for folks in Fort Worth, Texas, there are plenty of choices! We've put together a list of our favorites, focusing on affordability and network coverage.
Best if you like telemedicine + $0 deductibles.
Oscar’s Bronze Elite + Specialist Saver Plus
Best plan for the young and healthy.
UnitedHealthcare - UHC Bronze Copay Focus
Best general all-around option for the price and network.
Cigna - Connect Gold CMS Standard
If you're watching your budget, check out these wallet-friendly health insurance plans available in Fort Worth, Texas.
*Based on 30-year-old male
Mental health coverage can vary between health plans. If getting that support is important to you, it's definitely worth taking a closer look at these plans.
Note: If you have a particular therapist you love (and we hope you do), we recommend double checking with them that they accept these plans before purchasing one.
Looking to boost your credit card reward points by covering your health insurance premiums? Here are some health insurance carriers in Fort Worth, Texas, that let you pay with a credit card:
Some health plans come with some pretty cool bonuses on top of the regular coverage. Let’s talk about a few:
An app you’ll actually use with integrated telemedicine
A $3 prescription medicine program
Super low cost fitness access
Shopping at the marketplace? In Fort Worth, you have115+ plans from eight different health insurance carriers to choose from.
Health insurance has a lot of terms and jargon that are important to know. Here’s some of the main ones you’ll come across. You can find more here.
Seeing out-of-network doctors or taking medicines that aren’t covered by your health plan can become quite costly. If you have complicated health needs or take specialty medicines, you should consult a broker to make sure your doctors and prescriptions are covered.
Health insurance is complicated and costly, especially for small businesses. High participation rates and contribution requirements make it out of reach for many. Not to mention, traditional group health insurance plans often require 60+ hours of administrative work. That’s where ICHRA comes in. Small business owners finally can control their benefits budget and setup takes just ten minutes. Learn more.
