HB4392 • 2025

Relating to prohibited insurance discrimination on the basis of an insured's marital status following the death of the insured's spouse.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Morgan | Wharton | Hopper | Goodwin | Pierson
Last action: 2025-04-16
Official status: 04/16/2025 H Reported favorably w/o amendment(s)
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Relating to prohibited insurance discrimination on the basis of an insured's marital status following the death of the insured's spouse.

What This Bill Does

Relating to prohibited insurance discrimination on the basis of an insured's marital status following the death of the insured's spouse.

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2025-04-16 Texas Legislature Online
Considered in formal meeting
2025-04-16 Texas Legislature Online
Reported favorably w/o amendment(s)
2025-04-09 Texas Legislature Online
Scheduled for public hearing on . . .
2025-04-09 Texas Legislature Online
Considered in public hearing
2025-04-09 Texas Legislature Online
Testimony taken/registration(s) recorded in committee
2025-04-09 Texas Legislature Online
Left pending in committee
2025-04-01 Texas Legislature Online
Read first time
2025-04-01 Texas Legislature Online
Referred to Insurance
2025-03-11 Texas Legislature Online
Filed

Official Summary Text

Relating to prohibited insurance discrimination on the basis of an insured's marital status following the death of the insured's spouse.

Current Bill Text

Read the full stored bill text

89(R) HB 4392 - Introduced version - Bill Text

89R8746 RDS-D

By: Morgan

H.B. No. 4392

A BILL TO BE ENTITLED

AN ACT

relating to prohibited insurance discrimination on the basis of an

insured's marital status following the death of the insured's

spouse.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 544.002, Insurance Code, is amended by

adding Subsection (d) to read as follows:

(d) Notwithstanding Section 544.003, an insurer may not:

(1)

refuse to continue to insure or provide coverage

to an individual or limit the amount, extent, or kind of coverage

available to an individual because the individual is widowed or the

individual's marital status otherwise reflects the death of a

spouse; or

(2)

charge an individual who is widowed or whose

marital status otherwise reflects the death of a spouse a rate that

is different from the rate that would be charged if the individual's

marital status was married.

SECTION 2. The change in law made by this Act does not apply

to an insurance policy that is delivered, issued for delivery, or

renewed before the effective date of this Act. An insurance policy

that is delivered, issued for delivery, or renewed before the

effective date of this Act is governed by the law as it existed

immediately before the effective date of this Act, and that law is

continued in effect for that purpose.

SECTION 3. This Act takes effect September 1, 2025.