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Bill

HB 778

Relating to required health benefit plan coverage for gender transition adverse effects and reversals.

89th Legislature (2025) Introduced by Keith Bell and 15 co-sponsors

Texas bill mandates health insurance coverage for treating gender transition complications and reversal procedures, expanding medical coverage obligations for insurers.

Laid on the table subject to call
#genderidentity&expression(s0767) #health--otherdiseases&medicalconditions(i0383) #insurance--health&accident(i0422)
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Bill Summary · HB 778

Legislative bill overview

HB 778 would require health insurance plans in Texas to cover medical treatments for adverse effects and complications arising from gender transition procedures, as well as treatments to reverse gender transition procedures. The bill mandates that health benefit plans provide coverage for these services without exclusions or limitations.

Why is this important

This bill addresses insurance coverage for a medically complex and politically contentious area. It directly affects healthcare access and costs for individuals who experience complications from transition-related care or who seek to reverse such procedures. The legislation also has significant implications for health insurance premiums and plan design across Texas.

Potential points of contention

  • Definitional clarity: The bill may lack precise medical definitions for what constitutes "adverse effects," "reversals," and qualifying procedures, creating ambiguity in coverage requirements and potential disputes between insurers and patients
  • Cost and premium impact: Mandating coverage for these services will increase insurance costs, raising questions about whether these expenses should be shared across all policyholders or handled differently
  • Medical consensus: The proposal intersects with ongoing medical debate about transition care protocols, reversal procedures, and the frequency/severity of complications, where professional standards continue evolving

Compiled from official sources — confirm details with the bill’s official record.

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