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Health Insurance | Texas Trusted Advisors

Health Insurance Costs And What To Expect for 2022

Open enrollment begins November 1, 2021 and runs through December 15, 2021 (extended through January 15, 2022).

Open enrollment will have a significantly longer window to change or enroll in a new plan for 2022. This year we have 75 days to make a change for 2022.  All health plans will be effective January 1, 2022, or February 1, 2022. There will only be HMO plans available with limited networks in Texas for 2022.

During open enrollment you will need to determine what type of coverage you need, your budget, and if your provider is in the HMO network. When you’re choosing a health insurance plan, you’ll want to look at more than the premiums and deductibles to evaluate plan options. Take a look at the co-insurance amount, and then decide which deductible, premium, and co-insurance mix is the best option for you.

We have found a cost-effective way to protect yourself and your family is by purchasing a bronze-level plan and adding gap coverage like accident and critical illness plans. This strategy provides more protection at the lowest cost. We will help customize a plan that meets your specific needs and budget.

Because of the crazy high cost and lack of options, many of our clients have kicked Obamacare to the curb and opted for more affordable Short Term Medical Plans.

Regardless of your situation, we strive to provide you with the most cost-effective solution for your needs and budget.

Facts You Should Know:

    • Medical costs are the #1 cause of Bankruptcy and 75% of those individuals had health insurance.
    • Did you know that 61% of the costs associated with cancer are NON-Medical indirect costs?
    • About 2/3 of people with cancer are expected to live at least five years after diagnosis.
    • Each year over a million people in the United States have a heart attack.
    • Every year, about 795,000 people in the U.S. have a stroke.  About 610,000 of these are first or new strokes.  About 30% of people who survive a stroke go on to have another.
    • According to 2020 data from the American Cancer Society, men have a 40.14 percent—or approximately one in two—chance of developing cancer in their lifetime. For women, the odds are slightly lower at 38.7 percent, or a one in three chance.

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