If you reside in Texas, you must know your different options regarding health care. There are actually diverse insurance policies to choose from; Texans can choose from traditional comprehensive plans, Health Maintenance Organizations (HMOs), and higher-deductible lower-premium programs called HSAs or Health Savings Accounts.

An HMO is a system of administered care in which hospitals, doctors and other professionals are contracted to provide care. HMOs became popular because the system has a way to keep health care costs under control by focusing only on preventative care such as immunizations and screenings. HMOs either provide these for free or with small co-payments.

On the other hand, HSA serves as your trust fund that would cover your health care needs. HSA funds can be used for vitamins, feminine hygiene products and eye drops as well as prescriptions and out-of-pocket hospital costs. As a form of health insurance in Texas, HSAs generally have high deductibles to encourage the policy holders to seek only necessary medical assistance.

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