S.B. No. 1274 aims to amend the Texas Insurance Code by introducing a new subchapter that mandates coverage for prescription drugs aimed at preventing human immunodeficiency virus (HIV) infections. The bill specifies that health benefit plans, including various types of insurance policies and agreements, must provide benefits for these prescription drugs without requiring prior authorization from enrollees. This change is designed to enhance access to preventive medications for individuals at risk of HIV infection.

The bill outlines the applicability of the new provisions to a wide range of health benefit plans, including those under Medicaid and other state programs, while also establishing exceptions for certain individual health plans issued before March 23, 2010. The prohibition on prior authorization for HIV prevention drugs is a key feature of the bill, ensuring that individuals can obtain necessary medications without bureaucratic delays. The changes will take effect for plans delivered or renewed on or after January 1, 2026, with the overall act becoming effective on September 1, 2025.

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