1. If you are the type that is rarely ever sick you'll save a lot by buying catastrophic health insurance instead. You get coverage for those conditions or medical needs that may arise suddenly.

The biggest advantage of this health insurance policy is where sudden health conditions or accidents result in huge bills that could at best be described as catastrophic. That's why it's a protection against catastrophic illness or accidents.

The rate you pay for catastrophic health insurance is quite small. What is usually high are the deductibles which can be as high as $2,000. But considering that you are protecting yourself from accidents or health conditions that could cost tens of thousands of dollars that are not really that much -- Relatively.

2. How much are you willing to pay out of your pocket each time you visit a doctor? This is what is called your co-pay in case you don't know already. Your health insurance rate will be lower if you choose a higher co-pay.

This is particularly recommended for those who rarely need to see a doctor.

Whether you fall sick often or not you'll definitely get affordable health insurance in Texas if you do the following...

Get and compare Texas health insurance quotes from up to five or many more quotes sites. Do this well because you could save up to 50% off your current health insurance rate if you do this well. The simple reasons are that there are hundreds of health insurance carriers in Texas and each of them has a different rate for each profile.