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Bill

HB 2516

Relating to the eligibility of certain individuals younger than 65 years of age to purchase Medicare supplement benefit plans.

89th Legislature (2025) Introduced by César Blanco and 16 co-sponsors

Texas law now permits people under 65 to buy Medicare supplement insurance, expanding coverage access for younger individuals with Medicare eligibility or chronic conditions.

Effective immediately
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Bill Summary · HB 2516

Legislative bill overview

HB 2516 expands eligibility for Medicare supplement (Medigap) insurance plans to Texans under age 65 who are not yet Medicare-eligible. Previously, these plans were restricted to Medicare beneficiaries aged 65 and older. The bill became effective immediately upon filing without the Governor's signature on June 20, 2025.

Why is this important

This change addresses a coverage gap for younger individuals with chronic conditions, disabilities, or early Medicare eligibility who currently cannot purchase supplemental insurance to cover out-of-pocket Medicare costs. It potentially increases access to affordable healthcare for a vulnerable population while expanding the insurance market in Texas.

Potential points of contention

  • Insurance market impact: Allowing younger, potentially healthier populations into Medigap plans could affect premium structures and risk pools, potentially increasing costs for traditional Medicare beneficiaries aged 65+
  • Scope ambiguity: The bill language references "certain individuals," leaving unclear exactly which under-65 populations qualify (e.g., disabled Medicare beneficiaries, ESRD patients, those with specific conditions)
  • Insurer participation: Insurance companies may resist offering these plans if they view the under-65 market as unprofitable or too administratively complex, potentially limiting actual availability despite legal permission

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

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