Private Health Care Exchange
Get Started Here
Advised and administered by Pearl Insurance, the TXCPA Health Insurance Exchange will allow members to shop for competitively priced insurance coverage for themselves as well as their families. To begin, choose your state below. Once you choose your state, you can start shopping on the TXCPA Private Health Care Exchange.
Welcome to the TXCPA Private Health Care Exchange
The Texas Society of Certified Public Accountants has partnered with Pearl Insurance’s Pearl Private Health Care Exchange to bring our members the TXCPA Health Insurance Exchange. Members will be able to choose from different coverage levels and benefit choices to find a plan that’s right for you.
Users will login to the secure member portal to choose from a range of benefit choices at different levels allowing members to choose a plan that best fits their budget and health care needs easily. Four different coverage levels (bronze, silver, gold, or platinum) will offer ease in choosing your plan and all coverage comes from leading insurance companies in Texas such as Blue Cross Blue Shield, Humana, Cigna, and Aetna.
Further, all products offered by the TXCPA Health Insurance Exchange meet or exceed the U.S. Government guidelines of Minimum Essential Coverage’s that U.S. citizens must purchase by February 15, 2015. If residents do not have health care coverage by this deadline, financial penalties will occur as outlined in the ACA-Individual Mandate.
Frequently Asked Questions
What is the TXCPA Health Care Exchange?
The TXCPA Exchange is a private exchange marketplace where members, as well as employers, can shop for competitively priced insurance coverage for themselves as well as their families.
What is the difference between a public and private exchange?
A public exchange is set up through the federal or state government or a combination of both and will generally only offer healthcare and dental insurance plans. Private exchanges are set up by health insurance companies or brokerage firms and are not part of the Affordable Care Act. However, all plans offered under the TXCPA Health Care Exchange meet or exceed the U.S. Government guidelines of Minimum Essential Coverages that U.S. citizens must purchase by February 15, 2015.
What products are offered through the TXCPA Health Care Exchange?
Medical insurance will be the main feature offered through the private exchange. However, other products like dental, vision, disability, and others will also be available.
I have insurance now through my employer, can I still get coverage from the exchange?
Yes. Anyone can shop the public or private exchanges.
What is a subsidy and do I qualify?
Subsidies are available to lower and middle-income people under age 65 who are not eligible for coverage through their employer, Medicaid, or Medicare. Call 800.845.8941 for more information.
Will I be turned down for a pre-existing health condition?
Most coverage cannot refuse to cover you or charge you a higher premium based on a pre-existing health condition. This remains true through the public as well as the private health care exchanges.
How do I get a quote and when can I begin the process?
You can begin the process by simply registering and begin shopping the marketplace.
What if I have additional questions?
We have benefits counselors available to answer questions for you after you register and as you shop.
Is the private exchange available for out of state members?
Call 800.845.8941 to find out if your state is included.
Still have questions?
A team of Pearl Insurance Exchange Certified Enrollment Counselors will be available to help you enroll and answer questions ranging from network concerns to coverage options. Pearl’s experts will be readily available to assist you from the beginning to the end of your coverage. Just call 855.465.0203 anytime Monday through Friday from 8 a.m. to 5 p.m. CST or email email@example.com.