Texas Health Insurance Law

Health insurance is generally guided by federal law. There are some states, however, that have expanded federal law. Texas health insurance law is very comprehensive.

Definition

• The statute that covers health insurance in Texas is Insurance Code Chapter 1201. It is also referred to as Title 8 of the insurance code in Texas.

Significance

• The Texas health insurance code provides guidance for insurance companies. It grants them the right to do several things, including offering wellness programs, as incentives to Texas consumers.

Warning

• Texas has a fraud unit designed to address insurance of all kinds. This fraud unit specifically addresses billing violations for health insurance in the state of Texas.

Considerations

• Section 1201.008 of the Texas insurance code allows consumers to file a petition with the Texas Department of Insurance. The Judicial Review section became effective in April 2005.

Features

• Texas health insurance law mandates how insurance companies apply premiums, issue policies and define emergency care. Consumers in Texas can refer to the insurance code to determine if an insurance company is performing within state law.