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Health Insurance in Texas: What Singaporeans Need to Know for Families Moving from Singapore

  • Writer: Nitin Gupta, CRS, REALTOR
    Nitin Gupta, CRS, REALTOR
  • Mar 12
  • 3 min read



Unlike Singapore’s universal healthcare system with Medisave and Medishield Life, healthcare in Texas (and the U.S.) is private and expensive, making health insurance a necessity for families moving from Singapore.


Here’s what you need to know:


1. Health Insurance Is Essential (Unlike Singapore’s Subsidized System)

  • In Singapore, government subsidies keep healthcare costs low. In Texas, there are no subsidies unless you qualify for specific plans.

  • A basic doctor’s visit can cost $100–$300, while emergency care or hospitalization can run into thousands if uninsured.

  • Health insurance is typically provided by employers, but self-purchased plans are available.


2. How to Get Health Insurance in Texas

Option 1: Employer-Sponsored Health Insurance (Best Option)

  • Most employers provide health insurance, covering part of the premium.

  • Family plans are available, but employees often share costs (e.g., $200–$600 per month for family coverage).

  • Coverage varies, so check co-pays, deductibles, and out-of-pocket maximums.

Option 2: Private Health Insurance (For Expats & Self-Employed)

  • Available through the Health Insurance Marketplace (Healthcare.gov) or private insurers like Blue Cross Blue Shield, Aetna, and UnitedHealthcare.

  • Costs range from $400 to $1,500 per month for a family, depending on the plan.

  • High-deductible plans have lower monthly costs but higher out-of-pocket expenses.

Option 3: International Health Insurance (For Expats or Short-Term Stays)

  • Some Singaporeans keep expat insurance plans from Cigna Global, AIA, or Allianz.

  • Covers care in multiple countries, but some plans may not work in all U.S. hospitals.

Option 4: Government Programs (Limited Eligibility for Expats)

  • Medicaid (low-income families) and Medicare (seniors) are available, but most expats do not qualify.


3. Understanding Health Insurance Terms in the U.S.

  • Premium – Monthly cost for the insurance plan.

  • Deductible – The amount you must pay before insurance covers expenses (e.g., $2,000 per year).

  • Co-pay – A fixed fee for doctor visits or prescriptions (e.g., $30 per visit).

  • Co-insurance – A percentage you pay after the deductible is met (e.g., 20% of hospital bills).

  • Out-of-pocket maximum – The most you will pay in a year before insurance covers 100% of costs (e.g., $10,000).


4. How Much Does Healthcare Cost Without Insurance?

  • Doctor visit: $100–$300

  • Specialist visit: $200–$500

  • Emergency room visit: $1,000–$3,000

  • Childbirth (without insurance): $10,000–$30,000

  • Hospital stay per night: $2,000–$5,000

Having insurance significantly reduces these costs.


5. Best Health Insurance Plans for Families in Texas

If getting private insurance, popular providers include:

  • Blue Cross Blue Shield of Texas (BCBSTX) – Large network, good family plans.

  • Aetna – Covers a wide range of doctors and hospitals.

  • UnitedHealthcare – Offers many plan options, including international coverage.

  • Cigna Global – Best for expats who want worldwide coverage.


6. Finding a Doctor or Hospital in Texas

  • Most insurance plans have "in-network" doctors and hospitals, which are cheaper to visit.

  • Major hospital systems in Dallas-Fort Worth include:

    • UT Southwestern Medical Center (best for specialists).

    • Baylor Scott & White Health (wide network of doctors).

    • Texas Health Resources (great for families).

  • Urgent care clinics are available for non-life-threatening issues, usually costing less than emergency rooms.


Final Thoughts: What Singaporeans Should Prepare For

  • Employer-provided insurance is the best option, but private plans are available.

  • Expect higher costs than in Singapore, especially for out-of-pocket medical expenses.

  • Choose a plan carefully to avoid surprise bills, especially for hospital stays.

  • International expat insurance may work for short-term stays but can be limited in U.S. coverage.


Would you like recommendations for family-friendly doctors or insurance agents in Texas?


 

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