House Committee on Insurance - 85th R.S. (2017)
- Examine the effect of Hurricane Harvey on the insurance market in Texas. Include an evaluation of the status of the Texas Windstorm Insurance Association and Texas FAIR Plan Association, and of the impact of Harvey on the ability of these residual markets to achieve their statutory goals and meet the needs of their policyholders. Examine possible gaps and vulnerabilities in insurance coverage brought to light by Harvey and recommend ways to address these issues.
- Study the coverage provided by the most common homeowners’ insurance policy forms in Texas, and methods to provide more clarity to Texas consumers about this coverage and the possible need for endorsements or other types of insurance.
- Study the use of appraisal processes under property insurance policies in Texas, including the effects of court decisions on the use of these processes and the impact of their use on insurers and policyholders.
- Assess the status of the health insurance market in Texas and opportunities to improve this market through waivers of federal law or other mechanisms. Monitor any changes in federal law that may affect these options.
- Evaluate recent efforts by the Legislature and the Texas Department of Insurance to minimize instances of surprise medical billing and to ensure the adequacy of health insurance networks. Identify instances in which surprise billing most often occurs and ways to decrease its frequency through enhanced transparency or other methods.
- Examine the impacts of changes in prescription drug coverage and drug formularies on patients, particularly those with chronic conditions.
- Evaluate recent efforts in Texas and in other states to enhance transparency regarding the practices of pharmacy benefit managers.
- Review Texas’ financial responsibility laws for automobile insurance, including the minimum liability limits required by state law.
- Monitor the agencies and programs under the Committee’s jurisdiction and oversee the implementation of relevant legislation passed by the 85th Legislature.
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