Getting Signed Up: Scott from Texas


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By Consumers Union on Tuesday, December 17th, 2013

Texas resident Scott from Dallas has owned a successful small business for several years. During that time, he has always paid for an individual health policy and the prices have been increasing steadily every year.

About six years ago, Scott was in a car accident that caused a herniated disk in his neck. Though the doctor has since concluded that the problem resolved itself, Scott had a hard time getting health insurance that would cover his head and neck. To decrease his out-of-pocket costs, Scott decided to enter the Texas High Risk Pool in 2010. Still, the prices have increased steadily. Right now he is paying almost $1200 a month with a $5000 deductible.”I’m fortunate that my company is successful and that I was able to afford the $1200 a month insurance before,” said Scott.

When open enrollment began for the marketplace, Scott visited He knew that he wouldn’t be eligible for subsidies because of his income, but he decided to check out his options on the site with the help of an insurance agent. Scott found a plan that he is happy with and signed up. He chose a plan with a high deductible, but he will save more than 60% in premium costs each month and has the opportunity to put money into a tax-deductible health savings account. All of his current doctors are on the new plan.

“With the money I’m saving on premiums, I’ll just put it away for future medical issues that come up,” Scott said. He is excited to be signed up for coverage that he considers better than his current plan. Consumers who have not yet signed up have until December 23 to register for a January 1 start date, and can continue to sign up until March 31 for insurance that will begin later.

If you are interested in learning about your health insurance options, visit our new Consumer Reports tool Health Law Helper.


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