Texas House Bill HB1176

Texas 2009 - 81st Regular

• Out of House Committee: 4/16/09

Caption

Relating to the creation of a voluntary consumer-directed health plan for certain individuals eligible to participate in the insurance coverage provided under the Texas Employees Group Benefits Act and their qualified dependents.

Impact

The introduction of this consumer-directed health plan is expected to have a significant impact on healthcare coverage options available to state employees. Proponents argue that providing a choice in healthcare plans aligns with contemporary shifts towards more individualized healthcare solutions. The plan is structured in such a way that state contributions will mirror those for traditional coverage, thereby retaining a level of financial support. This may enhance the financial viability of health savings accounts for employees seeking more control over their healthcare expenses.

Summary

House Bill 1176 establishes a voluntary consumer-directed health plan for eligible individuals under the Texas Employees Group Benefits Act and their dependents. This initiative aims to provide an alternative to traditional health coverage by allowing participants to opt for a high deductible health plan while also maintaining the option for a health savings account. The bill lays the groundwork for the implementation of this plan, setting the stage for its benefits to be available beginning September 1, 2010. The bill includes key provisions on state contributions to health plans and administration of health savings accounts.

Contention

Notably, the bill may face scrutiny regarding its implications for existing healthcare options and state contributions. Critics might argue that high deductible health plans could impose a heavier financial burden on individuals who may not be able to afford the upfront costs associated with such plans. The choice to forgo basic coverage could also raise concerns about ensuring adequate healthcare access for all eligible participants, particularly for lower-income individuals. As such, while the bill enhances options, it raises questions about the sufficiency of protections for diverse employee populations.