Texas insurance laws
What Texas has enacted on insurance, what each law requires, and what the bills still moving would do. Texas is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 314bills in scope
- Past committee
- 123past committee
- Most recent action
- 15 August 2025most recent action
Insurance laws enacted in Texas
56 insurance laws enacted in the Texas Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- HB 1052Relating to health benefit plan coverage of telemedicine, teledentistry, and telehealth appointments with an originating site or distant site located outside this state.Took effect 1 September 2025
What it requires: Health benefit plans must provide coverage for telemedicine medical services, teledentistry dental services, and telehealth services with an originating site or distant site located outside Texas on the same basis as services with both sites in Texas, if the individual receiving the service resides primarily in Texas and the health professional is licensed in Texas and maintains a physical office in Texas.
Health coverage and plan regulation
- HB 2518Relating to the use of installment premium payment plans on Texas Windstorm Insurance Association policies.Took effect 1 September 2025
What it requires: The Texas Windstorm Insurance Association must prohibit the use of premium financing arrangements on its policies. This prohibition applies because multiple installment payment plans are available directly through the association at no additional cost to the insured.
Property, catastrophe and climate risk
- HB 138Relating to the establishment of the Health Impact, Cost, and Coverage Analysis Program; authorizing a fee.Enacted 20 June 2025
What it requires: The Center for Health Care Data at The University of Texas Health Science Center at Houston shall establish the Health Impact, Cost, and Coverage Analysis Program to analyze proposed legislation imposing new mandates on health benefit plan issuers or administrators. Health benefit plan issuers subject to Chapter 843 or 1301 must pay an annual fee to the comptroller to fund the program.
Health coverage and plan regulation
- HB 145Relating to risk mitigation planning and associated liability for providers of electric service; providing an administrative penalty.Enacted 20 June 2025
What it requires: Electric utilities, municipally owned utilities, and electric cooperatives that own transmission or distribution facilities in wildfire risk areas must file a wildfire mitigation plan with the commission including vegetation management, operations plans, restoration procedures, community outreach, and infrastructure inspection procedures. The commission must approve, modify, or reject plans within 180 days.
- HB 1612Relating to direct payment for certain health care provided by a hospital.Took effect 1 September 2025
What it requires: A hospital must accept direct payment from a patient who is not an enrollee for health care services, provided the request is made within 60 days of receiving a bill. The hospital may charge no more than 25 percent greater than amounts generally billed, or no more than 50 percent greater than the lowest contracted rate with non-Medicaid, non-CHIP, non-Medicare health benefit plans.
Health coverage and plan regulation
- HB 2038Relating to the issuance by the Texas Medical Board of certain licenses to practice medicine and the authority of an insured to select certain license holders under the insured's health policy; requiring an occupational license; authorizing fees.Took effect 1 September 2025
What it requires: The Texas Medical Board must issue provisional licenses to foreign medical license holders meeting specified criteria including five to ten years of licensed practice, English proficiency, and employment offers in facility-based settings. The board must adopt rules for provisional license issuance, renewal, and conversion to full licenses by January 1, 2026. The board must issue limited licenses to physician graduates meeting education and examination requirements to practice in counties under 100,000 population under supervising physician supervision.
Health coverage and plan regulation
- HB 2067Relating to declination, cancellation, or nonrenewal of insurance policies.Took effect 1 January 2026
What it requires: Insurers must provide written statements of reasons for declination, cancellation, or nonrenewal to applicants or policyholders. Insurers must deliver notices of declination for commercial lines to the applicant's agent. Insurers must submit quarterly reports to the department summarizing reasons for declinations, cancellations, and nonrenewals, organized by zip code.
Licensing, solvency and market conduct
- HB 2213Relating to the composition of the board of directors of the Texas Windstorm Insurance Association.Took effect 1 September 2025
What it requires: The Texas Windstorm Insurance Association board of directors must include three members who are insurance industry representatives actively writing or selling windstorm and hail insurance in first tier coastal counties and are state residents. At least one member appointed under Subsection (c) must be a property and casualty agent licensed under the Insurance Code, actively offering or selling Texas windstorm and hail insurance policies, and not a captive agent. Three members must reside outside a catastrophe area.
Property, catastrophe and climate risk
- HB 2221Relating to certain trade practices related to life insurance, annuity contracts, and accident and health coverage.Took effect 1 September 2025
What it requires: Insurers, health maintenance organizations, and agents must not offer rebates, special favors, or valuable inducements not specified in policies to enter life insurance, annuity, or accident and health contracts. They may offer loss-control or value-added products at reasonable cost with documented objective criteria, and promotional items valued at $25 or less.
Health coverage and plan regulation, Life insurance and annuities
- HB 2254Relating to certain health care services contract arrangements entered into by insurers and health care providers.Enacted 20 June 2025
What it requires: Preferred provider benefit plans and exclusive provider benefit plans may contract with primary care physicians or primary care physician groups for compensation through fee-for-service, risk-sharing, capitation, or combined arrangements. Insurers must not discriminate against physicians or groups electing not to participate in value-based or capitated arrangements. Contracts must specify performance measures, attribution processes, capitation terms, and shared savings calculations.
Health coverage and plan regulation
- HB 2488Relating to conducting certain contested case hearings under the Texas workers' compensation system by remote communication.Enacted 20 June 2025
What it requires: The division may conduct a contested case hearing by videoconference either upon a determination that good cause exists or upon mutual agreement of the parties. The commissioner shall adopt rules as necessary to implement this provision.
Workers' compensation, surety and specialty lines
- HB 2516Relating to the eligibility of certain individuals younger than 65 years of age to purchase Medicare supplement benefit plans.Enacted 20 June 2025
What it requires: Entities that deliver or issue Medicare supplement benefit plans must offer the same coverage to individuals younger than 65 who are eligible for and enrolled in Medicare by reason of disability, end stage renal disease, or amyotrophic lateral sclerosis. Plans A, B, or D must be offered at the same premium rate as for individuals 65 or older; other plans may not exceed 200 percent of that rate.
Health coverage and plan regulation
- HB 2517Relating to the applicability of premium and maintenance taxes to the Texas Windstorm Insurance Association and Texas FAIR Plan Association.Took effect 1 September 2025
What it does: Exempts the Texas Windstorm Insurance Association and Texas FAIR Plan Association from premium and maintenance taxes under Insurance Code Chapters 221 and 252. The exemption applies to tax liability accruing in the 2023 calendar year and later, effective September 1, 2025.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 2563Relating to establishment of the temporary certified and insured prescribed burn manager self-insurance pool; authorizing a fee.Took effect 1 September 2025
What it requires: The Texas A&M Forest Service shall administer a self-insurance program providing general liability coverage for certified and insured prescribed burn managers who are state residents. Participating CIPBMs must complete a wildfire suppression course and report prescribed burn data. The service may assess reasonable fees and cost-sharing requirements from participants.
Workers' compensation, surety and specialty lines
- HB 26Relating to authorizing Medicaid managed care organizations to offer nutrition support services in lieu of other state Medicaid plan services.Took effect 1 September 2025
What it requires: Contracts with Medicaid managed care organizations must permit those organizations to offer nutrition counseling and instruction services in lieu of other state Medicaid plan services from an approved list. The list may include only nutrition counseling and instruction, excluding home-delivered meals, food prescriptions, and grocery support.
- HB 3057Relating to health benefit plan coverage for chimeric antigen receptor T-cell therapy.Took effect 1 September 2025
What it requires: Health benefit plan issuers must provide coverage for chimeric antigen receptor T-cell therapy that is medically necessary and administered by a health care provider qualified as a certified health care facility under FDA-approved procedures and participating in the plan's network. The commissioner shall adopt rules to administer this subchapter.
Health coverage and plan regulation
- HB 3126Relating to the election of certain entities to participate in the uniform group coverage program for active school employees; imposing a fee.Took effect 1 September 2025
What it requires: An entity that discontinued program participation effective September 1, 2022, may elect to rejoin the uniform group coverage program for active school employees by providing written notice to the trustee by December 31, 2025, for participation beginning September 1, 2026. Such entities must comply with trustee requirements and cannot discontinue participation again until September 1, 2031.
Health coverage and plan regulation
- HB 3151Relating to expedited credentialing of certain federally qualified health center providers by Medicaid managed care organizations.Took effect 1 September 2025
What it requires: Medicaid managed care organizations must expedite credentialing for applicant providers who have current contracts with the organization, are Medicaid-enrolled, agree to comply with contract terms, and submit required documentation. Applicant providers include physicians, health care providers, federally qualified health centers, and health care providers for federally qualified health centers.
Health coverage and plan regulation
- HB 3211Relating to vision care benefits, including participation of optometrists and therapeutic optometrists in vision care or managed care plans.Enacted 20 June 2025
What it requires: Vision care plan issuers must include optometrists and therapeutic optometrists as participating providers to the full extent of their licenses. Issuers must process applications within specified timelines, impose uniform credentialing requirements, and cannot use extrapolation in audits or exclude providers based on panel size or access metrics.
Health coverage and plan regulation
- HB 3233Relating to patient data maintained by pharmacy benefit managers.Took effect 1 September 2025
What it requires: A pharmacy benefit manager may not store or process patient data for a resident of Texas in a location outside of the United States or its territories. This requirement applies only to contracts entered into or renewed on or after September 1, 2025.
Health coverage and plan regulation
- HB 3254Relating to the eligibility of members of the State Board of Education and their dependents to participate in the state employees group benefits program.Took effect 1 September 2025
What it requires: Members of the State Board of Education and their dependents become eligible to participate in the state employees group benefits program upon application to the board of trustees and arrangement for payment of contributions. Participants in this program may not receive a state contribution for premiums.
Health coverage and plan regulation
What it requires: Insurers must provide written disclosure of shared aggregate limits during application and deliver certificates of insurance and policies to members within 30 days of issuance or renewal. Insurers may not renew group policies with fewer than 10 certificate holders and must not include provisions limiting one member's claims based on another's losses.
Licensing, solvency and market conduct
- HB 3689Relating to funding of excess losses and operating expenses of the Texas Windstorm Insurance Association; authorizing an assessment; authorizing a surcharge.Took effect 1 September 2025
What it requires: The Texas Windstorm Insurance Association may enter into financing arrangements with the state for up to $500 million before a catastrophic event and up to $1 billion after one. The comptroller shall invest economic stabilization fund balances to provide this financing. Insurers must collect catastrophe surcharges on specified policies to repay financing obligations.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 3812Relating to health benefit plan preauthorization requirements for certain health care services and the direction of utilization review by physicians.Took effect 1 September 2025
What it requires: Health maintenance organizations and insurers must conduct utilization review under direction of a physician licensed in Texas who does not hold an administrative medicine license. They must exempt physicians or providers from preauthorization if the provider achieved at least 90 percent approval rate and provided the service at least five times in the most recent one-year evaluation period. They must submit annual reports to the department on exemptions granted, denied, rescinded, and independent review outcomes.
Health coverage and plan regulation
- HB 388Relating to a uniform coordination of benefits questionnaire for health benefit plans.Took effect 1 September 2025
What it requires: Each health benefit plan issuer that issues a health benefit plan including a coordination of benefits provision must use the uniform coordination of benefits questionnaire established by the commissioner and make it available to health care providers. The commissioner must adopt rules establishing this uniform questionnaire in collaboration with stakeholders.
Health coverage and plan regulation
- HB 426Relating to Medicaid and child health plan program coverage and reimbursement for childhood cranial remolding orthosis.Took effect 1 September 2025
What it requires: The commission shall ensure medical assistance reimbursement covers in full the cost of a cranial remolding orthosis for children diagnosed with craniosynostosis or plagiocephaly or brachycephaly meeting specified age and measurement criteria. The child health plan must cover in full the cost of such orthosis in the same manner as Medicaid.
Health coverage and plan regulation
What it requires: Existing insurers must transfer annuity contract value to replacing insurers within 30 business days of receiving an exchange request notice, unless the contract permits deferral, parties agree otherwise, law requires different timing, or fraud is suspected. Insurers must transfer cash surrender value to contract owners within 30 business days of receiving a surrender request under similar exceptions.
Life insurance and annuities
- HB 4464Relating to the provision of workers' compensation insurance coverage for certain Texas Task Force 1 members and intrastate fire mutual aid system team and regional incident management team members, including the removal of coverage for nongovernment members.Took effect 1 September 2025
What it requires: Service by local government employee members with Texas Task Force 1, intrastate fire mutual aid system teams, or regional incident management teams when activated by the Texas Division of Emergency Management or during sponsored training is considered within the course and scope of regular employment and included in workers' compensation coverage.
Workers' compensation, surety and specialty lines
- HB 721Relating to the applicability of certain laws requiring health care cost disclosures by health benefit plan issuers and administrators.Took effect 1 September 2025
What it does: Amends Insurance Code Section 1662.003 to remove regional or local health care programs operated under Health and Safety Code Section 75.104 from the list of plans subject to health care cost disclosure requirements, and instead explicitly excludes them from those requirements.
Health coverage and plan regulation
- SB 1307Relating to a biennial health coverage reference guide developed by the Texas Department of Insurance.Took effect 1 September 2025
What it requires: The Texas Department of Insurance shall consult with the Health and Human Services Commission to develop a biennial health coverage reference guide and publish it on the department's website and in printed form. The first guide must be published no later than January 1, 2026. The guide must include specified information about health coverage types, consumer rights, shopping guidance, and regulatory jurisdiction.
Health coverage and plan regulation
- SB 1330Relating to billing and reimbursement for certain medical equipment, devices, and supplies provided to Medicare enrollees; creating a criminal offense.Took effect 1 September 2025
What it requires: A nonparticipating supplier may not charge an enrollee more than 115 percent of the Medicare-approved amount for durable medical equipment, orthotic devices or supplies, or prosthetic devices or supplies unless the enrollee agrees in writing beforehand and either enters a rental payment plan or pays the additional amount in full.
Health coverage and plan regulation
- SB 1455Relating to the funding mechanism for the regulation of workers' compensation and workers' compensation insurance; authorizing surcharges.Took effect 1 January 2026
What it requires: Authorized insurers writing workers' compensation insurance must pay an annual surcharge on correctly reported gross premiums. The commissioner shall annually determine the surcharge rate, which together with rates under Labor Code Chapters 403 and 405 may not exceed 2.7 percent of gross premiums subject to surcharges. Insurers may recover surcharges by reflecting them as expenses in rate filings or charging policyholders.
Workers' compensation, surety and specialty lines
What it requires: Providers of continuing care facilities must establish entrance fee escrow accounts with in-state banks or trust companies before accepting deposits or entrance fees. Providers must obtain certificates of authority from the Texas Department of Insurance and comply with disclosure, advertising, and contract requirements. Providers must refund entrance fees within specified timeframes upon rescission or cancellation.
- SB 1644Relating to the use of a consumer's credit score in the underwriting or rating of certain personal lines property and casualty insurance policies.Took effect 1 September 2025
What it requires: Insurers using credit scoring in personal lines property and casualty insurance underwriting or rating must provide adverse action notice within 30 days including consumer reporting agency contact information and rights to obtain free credit reports and dispute inaccuracies. Insurers must review and update insured credit reports at least every 36 months, reassess policy ratings, and allow insureds to request re-underwriting and re-rating once per 12-month period based on current credit reports.
AI and data in underwriting and claims
- SB 213Relating to prohibiting insurers from requiring the tying of residential property and personal automobile insurance policies.Took effect 1 September 2025
What it requires: Authorized insurers writing property and casualty insurance in Texas must not make the issuance, delivery, or renewal of a residential property insurance policy contingent on purchasing a personal automobile insurance policy from the same or affiliated insurer, or vice versa. Violations constitute unfair methods of competition or unfair or deceptive acts or practices.
Auto insurance, Property, catastrophe and climate risk
- SB 2544Relating to eligibility for mediation of certain out-of-network health benefit claims.Enacted 20 June 2025
What it requires: An out-of-network provider or a health benefit plan issuer or administrator may request mandatory mediation under this subchapter not later than the 90th day after the date an out-of-network provider receives an initial payment for a health care or medical service or supply.
Health coverage and plan regulation
- SB 264Relating to discontinuing group self-insurance coverage and dissolving the Texas self-insurance group guaranty fund and trust fund under the Texas Workers' Compensation Act.Took effect 1 September 2025
What it requires: The commissioner may not issue certificates of approval to proposed groups on or after September 1, 2025. The board must submit a revised plan of operation to wind down and dissolve the guaranty fund and trust fund by December 1, 2025, and implement the approved plan. The commissioner must determine whether obligations were met and issue an order for distribution of remaining funds.
Workers' compensation, surety and specialty lines
- SB 458Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies.Took effect 1 September 2025
What it requires: Insurers delivering, issuing for delivery, or renewing personal automobile or residential property insurance policies in Texas must include an appraisal provision complying with Chapter 1813. The appraisal provision must provide a dispute resolution process to determine the amount of loss when disputed between policyholder and insurer. The commissioner shall adopt implementing rules.
Auto insurance, Property, catastrophe and climate risk
- SB 493Relating to protection of certain disclosures and communications by pharmacists and pharmacies regarding prescription drug benefits.Took effect 1 September 2025
What it requires: Pharmacists and pharmacies may not enter into contracts or agreements that prohibit or restrict them from informing enrollees of out-of-pocket cost differences between using their health benefit plan and paying without submitting a claim, or from communicating with health benefit plan sponsors regarding member services, pharmacy services, network access, and prescription claim reimbursement.
Health coverage and plan regulation
- SB 527Relating to health benefit coverage for general anesthesia in connection with certain pediatric dental services.Took effect 1 September 2025
What it requires: Health benefit plans that provide general anesthesia coverage must include medically necessary general anesthesia services for covered individuals younger than 13 years of age who cannot undergo dental services without it due to documented physical, mental, or medical reasons, when performed by a qualified anesthesia provider. Plans need not cover dental care itself.
Health coverage and plan regulation
- SB 815Relating to the use of certain automated systems in, and certain adverse determinations made in connection with, the health benefit claims process.Took effect 1 September 2025
What it requires: Utilization review agents may not use automated decision systems to suggest, recommend, generate, or assist in making adverse determinations; only appropriate physicians, dentists, or other licensed health care providers may make adverse determinations. Health maintenance organizations and insurers must disclose in written explanations of benefits whether artificial intelligence was used in the claims process and describe the method if applicable.
Health coverage and plan regulation, AI and data in underwriting and claims
- SB 896Relating to the enrollment period for newborns under certain health benefit plans.Took effect 1 September 2025
What it requires: Health benefit plans that provide maternity benefits or accident and health coverage for newborn children must extend coverage of newborn children through the 61st day after birth. Plans must not exclude or limit initial coverage before day 61, coverage for congenital defects, or coverage for newborn screening tests required by Health and Safety Code Section 33.011.
Health coverage and plan regulation
- SB 916Relating to consumer protections against certain medical and health care billing by emergency medical services providers.Took effect 1 September 2025
What it requires: Emergency medical services providers must submit correct information required under Section 38.006, Insurance Code. Political subdivisions may annually adjust rates submitted under Section 38.006 by not more than the lesser of the Medicare Ambulance Inflation Factor or 10 percent of the provider's previous calendar year rates.
Health coverage and plan regulation
- SB 926Relating to certain practices of health benefit plan issuers to encourage the use of certain physicians and health care providers and rank physicians.Took effect 1 September 2025
What it requires: Health maintenance organizations and insurers must not offer incentives to use particular physicians or providers solely because those physicians or providers control, are controlled by, or are under common control with the organization. Health benefit plan issuers ranking or classifying physicians must use standards developed by commissioner-designated organizations, disclose rankings 45 days before release, and provide physicians an easy process to identify discrepancies or false information.
Health coverage and plan regulation
- SB 963Relating to allowing Medicaid managed care organizations to engage in marketing about the availability of certain private health benefit plan coverage.Took effect 1 September 2025
What it requires: The commission's marketing guidelines for Medicaid managed care organizations may not prohibit these organizations from informing individuals about qualified health plans offered through an exchange or from advertising Medicare Advantage plans at community enrollment events.
Health coverage and plan regulation
- SB 995Relating to the approval of a surety bond for a contract authorizing an oversize or overweight vehicle to cross a road or highway.Enacted 20 June 2025
What it requires: A person operating an oversize or overweight vehicle under a contract to cross a road or highway must execute a surety bond with a corporate surety authorized to do business in Texas. The bond must be approved by the Texas Department of Transportation and conditioned on fulfilling contract obligations.
Workers' compensation, surety and specialty lines
- SB 1332Relating to a group health benefit plan policy or contract holder's obligation to pay premiums on behalf of an individual after the individual's eligibility for group coverage terminates.Enacted 30 May 2025
What it requires: Health maintenance organizations and insurers may waive a group contract holder's or group policyholder's liability for premiums owed for months after an enrollee's or individual's eligibility terminates, provided the holder or policyholder notifies of termination later than the end of the month eligibility ended and no covered services were provided after that month.
Health coverage and plan regulation
- HB 1041Relating to the insurable interest of certain persons providing care to individuals with disabilities in the life of those individuals.Enacted 29 May 2025
What it requires: A person providing care to an individual with a disability at a state supported living center, assisted living facility, intermediate care facility, or group home must not have insurable interest in the life of that individual unless the person is a relative related within the third degree by consanguinity or affinity.
Life insurance and annuities
- SB 1236Relating to the relationship between pharmacists or pharmacies and health benefit plan issuers or pharmacy benefit managers.Took effect 1 September 2025
What it requires: Health benefit plan issuers and pharmacy benefit managers must provide pharmacists and pharmacies secure online access to pharmacy benefit network contracts. They may not unilaterally make adverse material changes to contracts during the term, must provide 90 days' notice of other modifications, and cannot charge fees before disclosing full contract terms. They may not require participation in multiple networks or penalize refusal to participate.
Health coverage and plan regulation
- SB 455Relating to arbitration provisions in certain surplus lines insurance contracts.Took effect 1 September 2025
What it requires: Insurers offering surplus lines insurance contracts for risks located wholly in Texas that contain arbitration agreements must provide that arbitration occurs in Texas unless the insurer and policyholder agree otherwise after written notice and the insurer provides a premium credit for venue change costs. The contract must be governed by and interpreted according to Texas law.
Licensing, solvency and market conduct
- HB 136Relating to Medicaid coverage and reimbursement for lactation consultation services.Took effect 1 September 2025
What it requires: The commission shall ensure medical assistance reimbursement is provided to lactation consultants for providing lactation consultation services to medical assistance program recipients. The executive commissioner shall establish a separate provider type for lactation consultants for enrollment and reimbursement under the medical assistance program.
- SB 1257Relating to required health benefit plan coverage for gender transition adverse effects and reversals.Took effect 1 September 2025
What it requires: Health benefit plans that provide or have provided coverage for gender transition procedures or treatments must cover all adverse consequences, baseline and follow-up testing on at least an annual basis, and any procedures or treatments necessary to manage, reverse, reconstruct from, or recover from gender transition procedures or treatments for enrollees.
Health coverage and plan regulation
- SB 1238Relating to prohibited insurance discrimination on the basis of an insured's marital status following the death of the insured's spouse.Took effect 1 September 2025
What it requires: Insurers may not refuse to continue coverage or limit coverage for individuals who are widowed or whose marital status reflects the death of a spouse. Insurers may not charge widowed individuals a different rate than would be charged if their marital status were married.
Licensing, solvency and market conduct
- SB 1151Relating to an insurer's responsibility to review and audit a third-party administrator.Took effect 1 September 2025
What it requires: An insurer shall conduct at least semiannual reviews of an administrator's operations if the administrator administers benefits for more than 100 certificate holders, injured employees, plan participants, or policyholders on behalf of the insurer. The insurer shall conduct at least biennial audits of the administrator's operations.
Licensing, solvency and market conduct
- SB 2077Relating to the qualifications of members of the board of directors of the Texas Mutual Insurance Company.Enacted 19 May 2025
What it requires: An individual may not serve as a board member of the Texas Mutual Insurance Company if the individual or another individual related to the individual within the first degree by consanguinity or affinity is a licensed insurance agent, serves as an employee or officer for an insurer writing workers' compensation insurance in this state, owns a financial interest in such an insurer, receives substantial tangible benefit from the company, or is an officer or consultant of an insurance association.
Workers' compensation, surety and specialty lines
- SB 1409Relating to health benefits offered by postsecondary educational institutions to students and their families.Enacted 13 May 2025
What it requires: Postsecondary educational institutions offering higher education health benefits must provide written notice to applicants that benefits are not regulated as insurance, obtain signed acknowledgment before enrollment, register with the department, administer benefits in actuarially sound manner with actuary opinion and required reserves, and may not require waiting periods exceeding six months for preexisting conditions.
Health coverage and plan regulation
Insurance in Texas, by topic
Health coverage and plan regulation
174 bills, 31 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
51 bills, 7 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
37 bills, 7 enacted. Enacted in 45 states.
Auto insurance
27 bills, 2 enacted. Enacted in 29 states.
Property, catastrophe and climate risk
24 bills, 6 enacted. Enacted in 31 states.
AI and data in underwriting and claims
11 bills, 2 enacted. Enacted in 12 states.
Life insurance and annuities
5 bills, 3 enacted. Enacted in 24 states.
Insurance bills in Texas
The bills not yet law, furthest along first, with what each would do.
56Enacted
67Past committee
191Introduced or inactive
314 bills in scope
Past committee
25 of 67 shown
What it would do: Creates a Religious Institutions Self-Insurance Pool allowing churches and nonprofit religious organizations to self-insure property and casualty coverage through a pool governed by a board of trustees, subject to commissioner oversight, financial requirements, and administrative penalties for violations.
What it would do: Requires pharmacies to disclose the lowest cash price for prescribed drugs or biological products to patients. Requires pharmacists to offer patients the option to pay the lower cash price instead of their copayment when the cash price is lower.
What it would do: Requires the Health and Human Services Commission to establish a prescription drug purchasing pool through which health benefit plan issuers, qualified public employers, and qualified private employers may purchase prescription drugs at discounted rates negotiated by the commission.
What it would do: Prohibits health maintenance organizations and insurers from requiring participating physicians and providers to obtain preauthorization for emergency care, intervention-necessary care, outpatient mental health and substance use disorder treatment, certain preventive services, and fully capitated arrangements, effective for plans delivered or renewed on or after January 1, 2026.
What it would do: Allows health maintenance organizations to contract directly with advanced practice registered nurses as providers regardless of whether their supervising physician participates, and allows insurers to designate advanced practice registered nurses as preferred providers independently of their supervising physician's status.
What it would do: Replaces the single commissioner of insurance with a three-member state commission of insurance appointed by the governor with senate consent for staggered six-year terms, and creates an executive director position to handle daily department operations.
What it would do: Requires insurers to obtain prior commissioner approval for commercial or residential property insurance and commercial or personal automobile insurance rate changes exceeding 10 percent, and allows subsequent rate increases up to 107.5 percent of the approved rate without additional approval.
What it would do: Exempts the Texas Windstorm Insurance Association from insurance premium and maintenance taxes, prohibits use of association funds for legislative lobbying with $10,000 penalties, requires headquarters in coastal counties, and modifies loss funding mechanisms and rate-setting procedures.
What it would do: Reduces the recapture payment amount required from school districts located in first or second tier coastal counties by the amount they spent on windstorm and hail insurance in the preceding school year, effective September 1, 2025.
What it would do: Requires the board to prepare fiscal impact statements for bills or joint resolutions that mandate health benefit plan issuers to provide new health benefits, increase provider payments, or implement new contractual or administrative requirements, estimating effects on issuer expenditures and enrollee premiums and costs.
What it would do: Reduces claim payment deadlines from 45 to 30 days for health maintenance organizations, preferred provider benefit plans, and managed care organizations, and prohibits these entities from requiring physicians or providers to accept payments via virtual credit cards or other methods that assess fees.
What it would do: Expands mental health and substance use disorder coverage requirements to apply to basic coverage plans under Chapter 1601 and requires governmental health benefit plan trustees to enforce compliance with treatment limitation standards for these plans starting January 1, 2026.
What it would do: Requires issuers or administrators of certain governmental employee health benefit plans to credit toward an enrollee's deductible and annual maximum out-of-pocket expenses amounts the enrollee pays directly to physicians or health care providers for covered services, if the amount paid is less than the plan's average discounted rate and no claim is submitted.
What it would do: Allows health maintenance organizations and insurers to waive a group contract holder's or policyholder's premium liability for months after an enrollee's eligibility terminates, if the holder notifies the organization or insurer after month-end and no covered services were provided post-termination.
What it would do: Requires the Texas Windstorm Insurance Association's plan of operation to deem new structures certified as meeting the Insurance Institute for Business and Home Safety's fortified home, multifamily, or commercial construction standards as automatically meeting the association's underwriting standards.
What it would do: Prohibits property and casualty insurers from refusing to contract with or terminating/suspending contracts with licensed agents based solely on direct written premium or losses associated with policies the agent wrote, except for agents previously terminated for other reasons or captive agents.
What it would do: Modifies Texas insurance law to require proof that misrepresentations were material and intentionally made to void policies, except for life insurance within two years where materiality alone suffices if a contestability provision exists and premiums were paid.
What it would do: Creates licensing requirements for insurance umpires and appraisers, including a 40-hour pre-licensing course, state examination, criminal background check, and $10,000 minimum surety bond. Requires 24 hours of continuing education every two years and authorizes administrative penalties up to $4,500 per violation for unlicensed practice.
What it would do: Amends criminal history record information access and disclosure procedures for various state agencies and licensing boards, including the Texas Department of Insurance, Health and Human Services Commission, Texas Commission on Environmental Quality, state fire marshal, and Texas State Board of Pharmacy. Changes terminology from 'temporary license' to 'associate license' for physical therapy and occupational therapy.
What it would do: Requires direct primary care fees paid to physicians to apply toward insurance deductibles for participants in the Employees Retirement System of Texas and Teacher Retirement System of Texas basic coverage plans, effective for plans delivered, issued, or renewed on or after January 1, 2026.
What it would do: Prohibits health maintenance organizations and preferred provider benefit plans from charging enrollees or insureds a higher copayment for office visits with physical therapists than for primary care physician visits when the physical therapy visit did not require a physician referral. Applies to plans delivered, issued, or renewed on or after January 1, 2026.
What it would do: Transfers administration and collection of Chapter 1006 fees from an authority to the Comptroller, who gains rulemaking authority, audit powers, and responsibility for refunds and penalty assessments, with the authority reimbursing the Comptroller's expenses.
What it would do: Expands the definition of health benefit plans subject to Chapter 1362 to include additional plan types and entities. Requires covered health benefit plans to provide prostate cancer screening tests without cost sharing as of January 1, 2026.
What it would do: Requires automobile insurers in Texas to provide a written explanation of their appraisal procedures, formulas, calculations, and methods used to determine loss amounts, including repair costs and salvage value, when requested by the vehicle owner.
What it would do: Amends the definition of autism spectrum disorder to include diagnoses made using previous editions of the Diagnostic and Statistical Manual of Mental Disorders. Removes age and coverage limits for health benefit plan coverage of autism spectrum disorder treatment, effective for plans delivered or renewed on or after January 1, 2026.
Showing the 25 furthest along of 258. Subscribers see all of them, filtered and searchable. Bill titles link to the Texas Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Texas have an insurance law?
Yes. Texas enacted 56 insurance laws in the 2025 and 2026 sessions, among them HB 1052, HB 2518 and HB 138. Each is listed on this page with what it requires.
When do Texas's insurance laws take effect?
HB 1052 on 1 September 2025, HB 2518 on 1 September 2025, HB 1612 on 1 September 2025, HB 2038 on 1 September 2025 and HB 2067 on 1 January 2026. The others have no single date in their text.
Which insurance bills are moving in Texas?
67 bills not yet law have passed a committee or a chamber, the furthest along HB 3320 (passed chamber), SB 1098 (passed chamber) and SB 2857 (passed chamber).
What does Texas legislate on most in insurance?
Health coverage and plan regulation (174 bills), Licensing, solvency and market conduct (51 bills) and Workers' compensation, surety and specialty lines (37 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Texas
- AI in Texas63
- Alcohol in Texas49
- Cannabis in Texas51
- Children's Online Safety in Texas15
- Cybersecurity in Texas25
- Data center and energy in Texas11
- Data Privacy in Texas36
- Employment in Texas169
- Healthcare in Texas358
- Intellectual Property in Texas19
- Packaging and PFAS in Texas7
- Payments and fintech in Texas32
- Rental housing in Texas64
- Tobacco and nicotine in Texas20
- Transportation in Texas61
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Texas's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.