H.B. No. 4392 aims to prohibit insurance discrimination based on an individual's marital status following the death of their spouse. The bill amends Section 544.002 of the Insurance Code by adding a new subsection (d), which explicitly states that insurers cannot refuse to continue coverage or limit the extent of coverage for individuals who are widowed or whose marital status reflects the death of a spouse. Additionally, insurers are prohibited from charging different rates for these individuals compared to those who are married.

The legislation clarifies that these changes do not apply to insurance policies that were delivered, issued for delivery, or renewed before the effective date of the Act, which is set for September 1, 2025. This ensures that existing policies remain governed by the previous laws in place prior to the enactment of this bill.

Statutes affected:
Introduced: Insurance Code 544.002 (Insurance Code 544)