Texas House Bill HB2114

Texas 2019 - 86th Regular

Caption

Relating to health benefit plan coverage of preexisting conditions.

Impact

If enacted, HB 2114 would strengthen protections for Texas residents seeking health insurance by ensuring they cannot be discriminated against based on their medical history. By applying to various types of health benefit plans—including those operated by insurance companies, health maintenance organizations, and even Medicaid—the bill aims to create more inclusive health coverage options. The new provisions would take effect for plans issued or renewed after January 1, 2020, thereby setting a clear timeline for implementation.

Summary

House Bill 2114 aims to amend the Texas Insurance Code to enhance coverage options for individuals with preexisting conditions in health benefit plans. The bill explicitly prohibits health benefit plan issuers from denying coverage or charging higher rates based on an individual's preexisting conditions. This is a significant shift from previous regulations and represents an effort to provide fair access to healthcare for individuals with such conditions.

Contention

There may be contention surrounding the potential financial implications of this bill for health insurance providers, particularly regarding how they can manage risk with a more vulnerable population. Supporters of the bill argue it is essential to maintain health equity, while critics may raise concerns about the economic impact on insurance companies and premiums for all policyholders. Although exceptions are noted in the bill for specific types of insurance plans, the overall tone suggests a strong push for maintaining broad coverage for preexisting conditions.