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 type of coverage available to individuals who are widowed or whose marital status reflects the death of a spouse. Additionally, insurers are prohibited from charging different rates to these individuals compared to those charged to married individuals.

The legislation clarifies that these changes will not apply to insurance policies that are 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 law until they are renewed or replaced.

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