Texas House Bill HB2290

Texas 2025 - 89th Regular

• Filed: 1/30/25

Caption

Relating to health benefits offered by institutions of higher education to students and their families.

Impact

The bill presents a significant change to current state law, allowing institutions to offer health benefits that do not fall under the traditional insurance regulations. By classifying these benefits outside the scope of typical insurance policies, institutions can create more tailored health solutions that better serve the needs of their students and their families. Furthermore, HB2290 mandates that institutions do not impose waiting periods longer than six months for treatment of preexisting conditions within these health benefits, making it easier for students to obtain necessary care.

Summary

House Bill 2290 intends to regulate health benefit plans offered by institutions of higher education in Texas, including both public and private institutions. Under this legislation, educational institutions may provide health benefits specifically to enrolled students and their families. This initiative aims to increase access to essential health services for students, addressing a growing need for affordable healthcare options among the student population. The bill establishes a new chapter in the Insurance Code dedicated to these higher education health benefits.

Contention

While proponents of HB2290 argue that it increases healthcare accessibility for students, critics express concern regarding the quality and reliability of health benefits provided by institutions. Since these benefits are not regulated as conventional insurance products, questions arise about the adequacy of coverage and financial protections for students. Additionally, the ability of institutions to administer these benefits without the oversight typically associated with health insurance could lead to inconsistencies in care and access.