Texas HB1045 mandates health benefit plans to cover chemical dependency treatment, prohibiting lifetime limits on such coverage.

Texas HB1045 amends the Insurance Code to require health benefit plans to cover necessary care and treatment for chemical dependency. The bill applies to group health benefit plans provided by insurers, health maintenance organizations, and self-funded or self-insured plans. It mandates that coverage for chemical dependency treatment cannot be less favorable than coverage for physical illness and prohibits lifetime limits on such coverage. The changes apply to health benefit plans delivered, issued for delivery, or renewed on or after January 1, 2026. The act takes effect September 1, 2025.

Texas HB1045 mandates health benefit plans to cover chemical dependency treatment, prohibiting lifetime limits on such coverage.

Texas HB1045 amends the Insurance Code to require health benefit plans to cover necessary care and treatment for chemical dependency. The bill applies to group health benefit plans provided by insurers, health maintenance organizations, and self-funded or self-insured plans. It mandates that coverage for chemical dependency treatment cannot be less favorable than coverage for physical illness and prohibits lifetime limits on such coverage. The changes apply to health benefit plans delivered, issued for delivery, or renewed on or after January 1, 2026. The act takes effect September 1, 2025.