Texas is increasing access to affordable employer-based insurance for uninsured, employed residents through take-up of employer-sponsored coverage, primary/preventive care utilization, and small business participation. SHAP funding subsidizes the following two programs:
- Healthy Texas: This statewide program involves the creation of a small employer reinsurance pool to pay for a corridor of high enrollee costs. In order to increase the availability of affordable employer-sponsored insurance, this market-based program is directed at commercial carriers and three-share programs and is based on the experiences of the Healthy New York reinsurance program.
- Health Care Cost Sharing Accounts (CSAs): CSAs are available to working adults below 300% FPL who are eligible for employer-sponsored insurance. These accounts are funded by SHAP dollars to be used at the employee’s discretion to pay for monthly premiums, deductibles, co-insurance, and/or co-pays with the goal to improve the overall use of primary care services.
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