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 related to gender transition procedures. It defines "gender transition" and "gender transition procedure or treatment," establishing that any health benefit plan providing coverage for such procedures must also cover all possible adverse consequences, necessary follow-up testing, and any procedures required to manage or reverse the effects of the transition. This coverage applies to various types of health benefit plans, including those offered by insurance companies, health maintenance organizations, and Medicaid programs, among others.

Additionally, the bill specifies that coverage must be provided regardless of whether the enrollee was part of the plan at the time of the procedure. It includes provisions for implementation, stating that if a federal waiver is needed, the state agency can delay implementation until granted. The new coverage requirements will apply to plans delivered or renewed on or after January 1, 2026, with the act taking effect on September 1, 2025.

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