Originally Posted On: https://www.therealinsurancelady.com/what-to-do-if-you-lose-your-job-in-texas-a-guide-to-texas-unemployment-and-health-insurance-coverage-options/

What to Do If You Lose Your Job in Texas: A Guide to Texas Unemployment and Health Insurance Coverage Options

Losing your job can be stressful—emotionally, financially, and mentally. Whether you were laid off, let go, or fired, the first thing you should know is that you’re not alone—and there are resources available to help you through this transitional time. If you’re currently out of work in the Lone Star State, this comprehensive guide will walk you through how to file for Texas unemployment, what benefits you can expect, and why securing affordable health, dental, and vision insurance should be your next priority.

Understanding Texas Unemployment Insurance

Unemployment insurance (UI) in Texas is a state-administered benefit designed to provide temporary financial assistance to workers who have lost their jobs through no fault of their own. This program is managed by the Texas Workforce Commission (TWC) and funded by employer-paid taxes—not employees.

To qualify for unemployment benefits in Texas, you must:

• Have worked in Texas during the past 12 to 18 months
• Have earned a minimum amount of wages during that time
• Be unemployed through no fault of your own
• Be able, available, and actively seeking full-time work

What Benefits Can You Receive Through Texas Unemployment?

The amount of money you receive through Texas unemployment benefits depends on your previous earnings. The Texas Workforce Commission calculates your Weekly Benefit Amount (WBA) and Maximum Benefit Amount (MBA) based on your highest-earning quarter during a base period.

Unemployment Benefit Breakdown:

Note: These numbers are based on 2025 Texas Workforce Commission standards and are subject to change.

How to File for Texas Unemployment Benefits

To apply for unemployment in Texas, follow these steps:

1. Visit the TWC Website
   Go to the Texas Workforce Commission and create a user account.
2. Submit an Application
   Provide your work history, employer information, and the reason for separation. Be as accurate and truthful as possible.
3. Register for WorkInTexas.com
   Within three days of applying, register at WorkInTexas.com to search for new job opportunities.
4. Request Benefits Weekly
   Every two weeks, certify that you are actively seeking work and remain eligible.
5. Keep Records
   Maintain documentation of your job searches, applications, and interviews. You’ll need these if you’re selected for an audit.

Pro Tip: File for benefits as soon as you lose your job. Delaying your application may result in lost benefits.

What Happens After Filing?

Once your application is processed, the TWC will determine your eligibility and notify you by mail or online. If approved, your benefits should start arriving via direct deposit or debit card within approximately 21 days.

While this money can help cover essentials, it likely won’t cover everything—especially health insurance. That brings us to your next critical step: maintaining healthcare coverage.

Don’t Overpay for COBRA: Consider ACA Health Plans Instead

When you lose your job, you also lose access to employer-sponsored health insurance. Many people are offered COBRA continuation coverage, which allows you to extend your former health plan for up to 18 months. However, COBRA can be shockingly expensive, because your employer is no longer required to pay their usual 50% or more of the premium.

Why COBRA is Often a Bad Deal:

Instead of paying astronomical COBRA premiums, most unemployed individuals and families in Texas qualify for government-subsidized health insurance through the Affordable Care Act (ACA) Marketplace.

Secure Affordable Health Insurance with The Real Insurance Lady

The best time to act is now. The health insurance marketplace provides ACA plans that are tailored to your income level. Depending on your circumstances, you may qualify for plans that cost:

• $0/month for low-income individuals and families
• Under $200/month for many Texans who just lost their jobs

At The Real Insurance Lady, our licensed agents specialize in helping Texans quickly enroll in health, dental, and vision plans that fit your budget. We’ve helped thousands of unemployed individuals and families get coverage in as little as 7 minutes.

Need help now? Click here to request a health insurance quote. You can call, chat with a live representative, or submit your information online.

Additional Benefits Available Through The Real Insurance Lady:

• Dental Coverage: Plans start as low as $15/month and cover cleanings, x-rays, and major dental work.
• Vision Insurance: Protect your eyesight with plans covering exams, lenses, and frames.
• Family Plans: Ensure your spouse and children are also protected while you seek new employment.

Maximize Your Time: Focus on Job Hunting, Not Paperwork

When you’re unemployed, every hour counts. Your goal should be to reduce stress and maximize your time looking for a new job—not navigating complicated benefits systems. Here’s how to streamline your transition:

Step-by-Step Guide to Getting Started:

1. File for Texas Unemployment
   Visit the TWC Unemployment Benefits page to submit your claim immediately.
2. Enroll in Health Coverage
   Don’t get caught uninsured—visit The Real Insurance Lady to get a quote for ACA plans.
3. Search for a New Job
   Register on WorkInTexas.com to access job listings and receive employer outreach.

Recap: What to Do When You Lose Your Job in Texas

Action	Why It’s Important
File for Unemployment	Receive financial support while searching for new work
Enroll in Health Insurance	Protect yourself and your family from unexpected medical costs
Avoid COBRA	Save hundreds monthly with ACA plans instead
Use The Real Insurance Lady	Enroll in affordable coverage with help from licensed agents
Focus on Job Hunting	Use your time wisely to get back into the workforce

Need Help Now? We’ve Got You Covered.

At The Real Insurance Lady, we’re here to support you through this transition. Whether you’re unemployed for the first time or navigating a complex COBRA decision, our health insurance experts will simplify the process and make sure you get the coverage you need—fast.

You can:

Call our office for personalized support
Submit a quote request on our website
Chat live with a licensed insurance expert

It only takes 7 minutes to protect your health and your family. Don’t wait—get your quote today.

Final Thoughts

Losing your job is never easy, but having the right tools, information, and support system in place can make all the difference. Filing for Texas unemployment benefits gives you the financial breathing room to find your next opportunity. Meanwhile, working with The Real Insurance Lady ensures that you and your family stay covered with affordable, ACA-compliant health, dental, and vision insurance.

When life takes an unexpected turn, take the smart route. Start by filing for unemployment with the Texas Workforce Commission, then let The Real Insurance Lady help you get covered—so you can focus on what matters most: getting back on your feet.