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Individualized Texas health insurance plans are in many ways similar to group plans. They can cover some of the same things, only with group plans, it is less expensive. The reason for this is because the risk is spread out over a large group of insured policyholders whereas the insurance companies incur a greater risk on an individual. Because of the protective laws in place, companies that sell individual Texas health insurance must provide a certain minimum requirement of benefits to you if you choose a state mandated plan.