Texas HB4046 regulates cost-sharing liability for emergency care under health benefit plans.

Texas HB4046 amends the Insurance Code to regulate cost-sharing liability for emergency care under health benefit plans. It mandates that health benefit plan issuers pay providers the full amount payable under the enrollee's plan, based on the insurer's initial determination or internal appeal process. Issuers cannot withhold payments, require additional discounts, or cancel plans for non-collection of cost-sharing. Insurers must provide written notices detailing billing prohibitions and cost-sharing amounts. The changes apply to plans delivered, issued, or renewed after January 1, 2026.

Texas HB4046 regulates cost-sharing liability for emergency care under health benefit plans.

Texas HB4046 amends the Insurance Code to regulate cost-sharing liability for emergency care under health benefit plans. It mandates that health benefit plan issuers pay providers the full amount payable under the enrollee's plan, based on the insurer's initial determination or internal appeal process. Issuers cannot withhold payments, require additional discounts, or cancel plans for non-collection of cost-sharing. Insurers must provide written notices detailing billing prohibitions and cost-sharing amounts. The changes apply to plans delivered, issued, or renewed after January 1, 2026.