Note: This guide reflects 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.
The availability of health insurance is greatly influenced by where you live. Fortunately for residents of San Antonio, Texas, there's plenty of options to select from! We've curated a list of our top choices, emphasizing affordability and comprehensive network coverage.
Best if you like telemedicine + $0 deductibles
Oscar’s Bronze Elite + PCP Saver Plu
Best plan for the young and healthy.
UnitedHealthcare - UHC Bronze Copay Focus
Best general all-around option for the price and network.
MyBlue Health Gold 808
For those mindful of budget, explore some of these affordable health insurance plans available in San Antonio, Texas.
*Based on 30-year-old male
Mental health coverage differs from one health plan to another. If getting this kind of support matters to you, it's 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.
If you're looking to rack up those credit card reward points by paying for health insurance premiums, you're in luck. Check out these health insurance carriers in San Antonio, Texas, where you can pay with a credit card:
Some health plans throw in some cool extras along with the usual coverage. Here are a few that stand out.
An app you’ll actually use with integrated telemedicine
A $3 prescription medicine program
Super low cost fitness access
Shopping on the marketplace offers you the advantage of choice. The marketplace in San Antonio has 100+ plans from eight different health insurance carriers.
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.
