👉 Okay, let’s tackle that wonderfully weird mouthful – "Texas Insurance Health." Strap yourselves into your seatbelt here, because we're wading into a swamp of acronyms and loopholes.
Basically, what you get when you mash together those three words in Texas is… let me preface this with a dramatic squint... it's the state’s version of Medicaid, but with a frankly aggressive personality. Forget sensible rollout plans and careful consideration for people's needs; we are talking about an “Historical Cox Adjustment and Over-Reliance System (HCOARS).” It was originally designed to be a private, member-owned health insurance plan – hence the name, which is a glorious head Chamberlain of initials, really—and then… things spiraled. Now, HCOARS operates in a way that makes a beige cardigan seem aggressively competitive! There are absolutely no deductibles, and they cover virtually every possible health need imaginable, including elective cosmetic surgery (seriously. You have to ask. ). What you pay for the coverage is based entirely on your income, with rates bumping up into the stratosphere as you get wealthier, regardless of the actual amount of healthcare you use. It’s been described by some folks as the most generous, and by others, the most spectacularly dysfunctional health insurance plan in the nation. There have even been court filings alleging it is a money grab for the private equity firms that own the whole darn thing! (Cue dramatic sting with a banjo.) It
