Texas House Bill HB532

Texas 2009 - 81st Regular

Caption

Relating to the preexisting condition exclusion period under the Texas Health Insurance Risk Pool.

Impact

If enacted, HB532 is expected to provide more accessible health insurance options for individuals with preexisting conditions in Texas. By modifying the exclusion period, the bill seeks to enhance coverage for those with prior health issues who might otherwise struggle to find adequate health insurance. This change could lead to increased participation in the health pool, providing a wider range of individuals access to necessary care and support.

Summary

House Bill 532 aims to amend the exclusion period for preexisting conditions under the Texas Health Insurance Risk Pool. This bill revises the Insurance Code's provisions to modify the time frame during which a health insurance policyholder might not be eligible for coverage for preexisting conditions. Specifically, the legislation proposes a change from the previous six-month period to a new framework concerning the coverage application process.

Contention

Notable points of contention surrounding HB532 include concerns about the potential implications for insurance premiums and the overall cost to the Texas Health Insurance Risk Pool. Critics may argue that extending coverage could lead to increased costs for insurance providers, which may then be passed on to consumers through higher premiums. Supporters of the bill, however, advocate that reducing barriers for individuals with preexisting conditions is crucial for promoting health equity and ensuring that all Texans have fair access to medical care.