Texas House Bill HB3015

Texas 2025 - 89th Regular

• Filed: 2/19/25
• Out of House Committee: 5/2/25
• Voted on by House: 5/13/25

Caption

Relating to the application of direct primary care fees to insurance deductibles in certain state health benefit plans.

Impact

The impacts of HB 3015 are primarily on health insurance policies and the scope of what is considered covered under state health benefit plans. The bill stipulates that any fees paid to a direct primary care provider must count toward the deductible, thereby potentially lowering out-of-pocket costs for patients using such services. The implementation of this bill is expected to enhance the feasibility of direct primary care models within state health plans, which could lead to increased patient engagement with their primary care providers. However, it also raises questions regarding the possible repercussions on high deductible health plans, which may need further clarification and interpretation according to the attorney general's office.

Summary

House Bill 3015 seeks to amend the Insurance Code in Texas by allowing the application of direct primary care fees to the insurance deductibles in certain state health benefit plans. The bill introduces 'direct primary care,' defined as primary medical care services exchanged for direct fees, which can take various forms such as monthly retainers or subscription fees. This provision supports the integration of primary care services into health benefit plans while acknowledging the importance of accessibility and affordability for healthcare services in Texas. The changes brought forth by this bill aim to modernize and improve healthcare delivery within the state's health benefit programs.

Sentiment

General sentiment around HB 3015 appears to lean positively, especially among advocates for improved healthcare access and affordability. Supporters view the bill as a progressive step towards enhancing the affordability of healthcare by facilitating the use of direct primary care services. However, there are members in the legislative body who raise concerns about the implications of changing how deductibles are calculated, particularly regarding the alignment with high deductible health plans and ensuring compliance with existing healthcare regulations. The balance between innovation in healthcare delivery and maintaining regulatory standards will continue to be a point of discussion as the bill moves forward.

Contention

Notable points of contention regarding HB 3015 center on its potential impact on existing insurance frameworks and the definitions established for direct primary care services. Critics may argue that the broader implementation of this model could inadvertently create disparities in access, especially if not all healthcare plans readily adopt these changes. Moreover, concerns surrounding high deductible health plans potentially losing their status, and thus the associated tax benefits, arise in discussions. The need for clear communication and guidance on these issues will be crucial for effective implementation and to ensure that the benefits of HB 3015 are realized without unintended consequences.

Texas Constitutional Statutes Affected

Insurance Code

• Chapter 1551. Texas Employees Group Benefits Act
  • Section: New Section
  • Section: New Section
  • Section: New Section
  • Section: New Section

• Chapter 1575. Texas Public School Employees Group Benefits Program
  • Section: New Section
  • Section: New Section
  • Section: New Section
  • Section: New Section

• Chapter 1579. Texas School Employees Uniform Group Health Coverage
  • Section: New Section