Texas Senate Bill SB145

Texas 2019 - 86th Regular

Caption

Relating to health benefit plan coverage in this state.

Impact

If enacted, SB145 would significantly amend existing Texas insurance laws, providing stronger protections for consumers enrolled in health benefit plans. It dictates that preventive services must be covered without cost-sharing and expands access to mental health and substance use disorder treatment coverage. Such provisions align Texas law more closely with federal standards set by the Affordable Care Act, aiming for a comprehensive approach to healthcare that prioritizes preventive care and addresses the stigmatization of mental health issues.

Summary

SB145 pertains to health benefit plan coverage within the state of Texas, aiming to enhance the affordability and accessibility of essential health benefits. This legislation establishes protections against discrimination based on gender in premium pricing and prohibits higher charges for individuals with preexisting conditions. Health benefit plan issuers will no longer be permitted to impose annual or lifetime limits on essential health benefits. The intention behind this bill is to fortify consumer rights and ensure equitable access to necessary medical services, particularly for vulnerable populations.

Contention

Despite its positive aims, the bill has faced some contention among various stakeholders. Critics express concerns regarding potential impacts on insurance premiums and the financial viability of health benefit providers. Some legislators worry that the increased mandates might lead to higher costs for insurers, which could ultimately be passed on to consumers. Balancing the need for comprehensive coverage with the financial realities of the insurance market remains a critical point of debate as the bill progresses through the legislative process.