The bill, H.B. No. 778, introduces Chapter 1373 to the Texas Insurance Code, which mandates health benefit plans to cover adverse effects and reversals associated with gender transition procedures. It defines "gender transition" and "gender transition procedure or treatment," establishing that any health benefit plan providing coverage for gender transition must also cover all possible adverse consequences, necessary testing or screening, and any procedures required to reverse the transition. This coverage is applicable to various types of health benefit plans, including those provided by insurance companies, health maintenance organizations, and Medicaid programs, among others.

Additionally, the bill specifies that coverage must be extended to any enrollee who has undergone a gender transition procedure, regardless of their enrollment status at the time of the procedure. The provisions of this act will only apply to health benefit plans that are delivered, issued for delivery, or renewed on or after January 1, 2026, and the act is set to take effect on September 1, 2025. If a state agency determines that federal authorization is needed for implementation, it may delay the provision until such authorization is granted.

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