We all want good health, both for ourselves and for our families. That’s why we focus many of our choices on improving our health and well-being. Now that the Affordable Care Act (ACA) marketplace open enrollment period has begun, it’s time to start exploring the best plan for you and your family. ACA Marketplace health plans are specifically for those who do not have access to an employer-sponsored health plan and are not eligible for Medicaid or Medicare.

To get health coverage starting in 2025, it’s important to start focusing on finding a plan that meets your needs and budget. Selecting a health plan can seem like a daunting task, but Wellpoint can help you choose the right one for you.

New Wellpoint Health Plan Options in Texas

Wellpoint offers affordable plans that provide access to quality doctors and hospitals to meet the diverse needs of Texans. Wellpoint (formerly Amerigroup) has served Texans for nearly 30 years as the leading coordinator of Medicaid and Medicare managed health benefits. We care for the overall health of nearly three million Americans and are part of the Elevance Health group of companies, which serves nearly 46 million people nationwide.

The benefits are more affordable than you think

Wellpoint’s ACA Marketplace plans offer different care options, and your premium and deductible will depend on the plan you choose. OUR website describes the options available based on coverage needs and pricing. It’s important to remember that health insurance plans cover preventative health care, such as mammograms, colonoscopies, regular checkups and other important services, at no cost to consumers. Chronic health conditions that negatively impact quality of life and significantly increase health care costs can often be avoided or managed thanks to these early detections.

You may also be eligible to receive additional financial assistance through ACA grants, which can help reduce or eliminate monthly premiums and reduce out-of-pocket costs. In fact, nine out of 10 people nationwide can save on the cost of health coverage with these subsidies.

The high cost of no benefits

Foregoing health care coverage may seem like a cost-effective alternative; however, out-of-pocket expenses and unplanned hospitalizations add up quickly. Uninsured people often face unaffordable medical bills when seeking care, which can lead to medical debt and other forms of financial instability. According to the Kaiser Family Foundation62% of uninsured adults report having medical debt. Uninsured adults are more likely to experience negative consequences due to health care debt, such as using up savings, difficulty paying other living expenses, or having to borrow money. money.

Nearly 1 in 12 American adults have medical debt, and nearly 67% of all bankruptcies in America are linked to medical problems, whether due to the high cost of medical bills or loss of income after time off work. We understand that inflation remains a challenge for many household budgets, but getting health coverage now can really help you save money in the long run.

Next steps

Wellpoint offers decades of experience and knowledgeable support to help people create a path to better health and wellness. We can be a resource to help you with this process, regardless of which health plan you ultimately choose. Visit our website to easily compare available plans to determine what will work best for you and your budget. Be sure to enroll by December 15 for coverage to begin on January 1, or enroll by January 15, 2025 for coverage to begin on February 1, 2025. Get a head start on the new year by exploring the Wellpoint ACA health plans today.

About the author: Greg Thompson is currently President of Well Point Texas. With over 20 years of healthcare experience, Greg has held several leadership positions for various managed care and healthcare organizations such as FirstCare Health Plans, Covenant Health System and UT Southwestern Medical Center. Greg received his undergraduate degree from Texas Tech University Health Sciences Center and his master’s degree from Texas Tech University.