I got question about state health insurance plans. How expensive are they for employees? Are they quality?

Question

I got a job, I think, which has state a health ins. plan. I'm wondering what people think about these plans. Also dental.

Are they expensive? Deductibles? Co-pays? Do they really save decent money. Are they essential to have if you don't have other coverage?

I'm in Texas, if that helps

Answer 1

I assume you mean that you're going to work for the state.  Depending on the options you choose, the plans are great, and very expensive - for the taxpayer footing the bill.  You won't be paying much for them at all.

Answer 2

I'm in Indiana and our state insurance plan is based on income, which makes it much cheaper than just acquiring private insurance. However, if you're employer is going to pay a portion of the premium, I wouldn't think it'd be based on income. I do not believe our insurance plan has dental, just the essentials for people who wouldn't otherwise have coverage. Sorry I don't know more about Texas specifically but I hope this helps a little?