Why the High Dallas Medical Insurance Rates?

Dallas Fort Worth, Texas has some of the highest medical insurance rates in the U.S.  The reasons for this are many, but here are some of the most obvious contibuting factors.

Dallas Fort Worth, Texas has one of the highest level of uninsured adults and children in the nation.  Some state and federal agencies estimate the area uninsured rate at almost one out of two adults.  Uninsured individuals will often wait until a health condition becomes critical and then seek treatment in the emergency room of a local hospital.  The cost of hospital treatment for indigent uninsured that are is covered by local, state or federal agencies is picked up by those who can pay, and much of this is covered by medical insurance.

Also, Dallas Fort Worth, Texas has been cited in a number of state and federal surveys as having one of the least healthy populations in the country.    Dallas and Fort Worth usually rank within the top ten cities in obesity surveys among cities of 100,000 or more population.  Obesity is on the rise, and is a key contributing factor to major and expensive debilitating diseases such as diabetes, heart and circulatory illnesses, and stroke.

Environmental health is also a local concern.  High levels of ozone and air pollution contribute to poor public health, and can cause or aggravate serious diseases and health conditions.

Another major contributing factor to the cost of medical insurance is the Texas state legislature and Texas State Insurance Code.  Each legislative session, members of the Texas House and Senate introduce and pass dozens of laws that affect individual and small group medical insurance rates.  

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For  information about how your Texas company can reduce high group medical insurance rates, contact Mike Chapman at Group Benefits Advisors, (888) 398-6246,