H.B. No. 3015 introduces amendments to the Texas Insurance Code, specifically adding provisions related to direct primary care services. The bill establishes definitions for "direct fee" and "direct primary care," clarifying that a direct fee can take various forms, such as monthly retainers or membership fees, and that direct primary care includes telemedicine services. It mandates that direct fees paid to primary care providers must apply to a participant's deductible in state health benefit plans, while also allowing for exceptions if applying such fees would disqualify high deductible health plans from health savings account eligibility. In such cases, the board of trustees must seek an opinion from the attorney general.

The bill further extends these provisions to additional chapters of the Insurance Code, ensuring that the application of direct primary care fees to deductibles is consistent across different health coverage plans. The changes will take effect for plan years commencing on or after January 1, 2026, with the overall implementation date set for September 1, 2025.

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