It's possible that I may move to Texas next year. Ignoring any potential legislation changes, I'd like to understand what my options are going to be, health-care-wise. I will likely earn a respectable salary, so I don't expect to need to be very stingy and look for the cheaper options - but I have heard health care is incredibly expensive in the US and that the health insurance companies may rip people off or exploit their poor choices of plans etc.
- What are the different classes or categories of health coverage or health plans? I know that there are plans which are offered following the Affordable Care Act, but that those are kind of sub-par, and that there's such a thing as "cadillac plans".
- According to this page, there are only 3 health care providers to individuals: Blue Cross/Shield, FirstCare, Oscar Insurance. Are these indeed the only places I should be looking for health coverage options?
- My employer will likely offer me some kind of plan - they're just starting to set these things up so there are no details yet. Is it typically a good idea or a bad idea to opt for the plans employers offer? (I don't mean terribly exploitative employers, but rather - small tech companies.) Or - do employers, even small ones, typically get better conditions than what you can get as an individual?
- Are there some kind of health-care "consumer" collectives or cooperatives for bargaining with care providers? Perhaps something the labor unions have?
Note I didn't ask for recommendations for any specific plans since I assume that would be somewhat opinion-based and possibly biased.