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2025 · Regular session · Senate bill
SB1257
SB1257 requires certain health plans that cover, or have covered, an enrollee’s gender-transition treatment to cover related adverse effects, monitoring and care to manage or reverse that treatment.
Official caption: Relating to required health benefit plan coverage for gender transition adverse effects and reversals.
Official report lists Senate author(s): Hughes. This does not identify sponsors or amendment drafters.
Bill explanation published · Version and amendment review scope is stated below · Individual amendment records may not be separately annotated.
Bill highlights
Selected points from the published explanation. Follow each point to its source-linked context; conditions and limits may matter.
- SB1257 requires certain health plans that cover, or have covered, an enrollee’s gender-transition treatment to cover related adverse effects, monitoring and care to manage or reverse that treatment.
- A covered plan that “provides or has ever provided” coverage for an enrollee’s transition procedure or treatment must cover: all possible related adverse consequences, including short- and long-term side effects; necessary baseline and follow-up testing or screening to monitor mental and physical health at least annually, regardless of the sex or gender-identity designation in the medical record; and procedures, treatment or therapy necessary to manage, reverse, reconstruct from or recover from the treatment.
- The act reaches the listed medical, surgical and pharmacy-benefit insurance plans, including individual and group policies and HMOs.
- Signed May 24, 2025, the act took effect September 1, 2025, but the coverage mandate applies only to plans delivered, issued for delivery or renewed on or after January 1, 2026.
What does it do?
SB1257 requires certain health plans that cover, or have covered, an enrollee’s gender-transition treatment to cover related adverse effects, monitoring and care to manage or reverse that treatment. It creates an insurance-coverage obligation; it does not itself require every plan to begin covering gender-transition treatment. The act uses a purpose-based definition that includes surgery, hormones, drugs, counseling or therapy intended to assist a person’s identification with a sex or category different from the person’s biological sex. This describes the statute’s coverage definition, not a clinical assessment of any individual. Final law, new Insurance Code 1373.001 and 1373.003.
A covered plan that “provides or has ever provided” coverage for an enrollee’s transition procedure or treatment must cover: all possible related adverse consequences, including short- and long-term side effects; necessary baseline and follow-up testing or screening to monitor mental and physical health at least annually, regardless of the sex or gender-identity designation in the medical record; and procedures, treatment or therapy necessary to manage, reverse, reconstruct from or recover from the treatment. The requirement includes applicable diagnostic or billing codes. A plan that offers transition coverage must also provide this follow-up coverage to an enrollee who previously underwent treatment, even if the person was not enrolled in that plan when it occurred. Final law, 1373.003(a)–(b).
The act reaches the listed medical, surgical and pharmacy-benefit insurance plans, including individual and group policies and HMOs. It expressly includes small-employer and health-group-cooperative plans, chapter 1507 standard plans, the listed state-employee, public-school and university-system plans, school-district coverage, Medicaid including managed care, CHIP, county employee benefits and political-subdivision risk pools. It also names qualifying nonprofit agricultural health benefits, Texas Mutual subsidiary alternative coverage, regional or local health programs, and self-funded plans sponsored by professional employer organizations (PEOs). But it expressly excludes self-funded plans under ERISA, the federal employee-benefits law. The PEO inclusion does not erase that express exclusion; the particular plan’s legal status matters. For group coverage of a Texas resident, the statute applies regardless of where the group policy was delivered, issued or renewed. Final law, 1373.002.
Signed May 24, 2025, the act took effect September 1, 2025, but the coverage mandate applies only to plans delivered, issued for delivery or renewed on or after January 1, 2026. If a state agency determines federal approval or a waiver is needed, it must request it and may delay the affected provision until approval. The act does not establish that an approval has been granted. Official history; Final law, sections 2–4.
What changed along the way?
The Senate committee substitute expanded subsection (a)’s trigger from a plan that “provides” coverage to one that “provides or has ever provided” coverage. That change survived in the Senate-passed, House committee and enrolled versions, which otherwise match. It should not be described as a promise of lifetime enrollment after someone leaves a plan: the operative language concerns the plan and its enrollees. Introduced text; Senate substitute; All versions; Final law.
All seven indexed proposals were offered during House second reading on May 10. Amendments 1–6 failed; amendment 7 was withdrawn. None appears in the final law. Amendment index and dispositions; Final law.
- 1, Venton Jones: would replace the adverse-consequences wording with “sequela,” defined as an aftereffect of disease, condition or injury. Amendment 1.
- 2, Collier: would limit the Texas-resident group-coverage provision to procedures or treatments administered in Texas. Amendment 2.
- 3, Hinojosa: would require the listed follow-up coverage from each health plan rather than use the plan’s transition-coverage trigger, and would delete the separate prior-treatment enrollment provision. Amendment 3.
- 4, Howard: would make subsection (a) subject to subsection (b) and limit the latter to people enrolled in the plan when treatment occurred, with treatment provided in Texas. Amendment 4.
- 5, Jessica González: would state that the section does not authorize denial of mental-health coverage or counseling regardless of transition history. Its failure is not itself a new authorization to deny other coverage. Amendment 5.
- 6, Venton Jones: would remove “mental state” and “counseling, or therapy” from the transition definition. Those words remain in the final law. Amendment 6.
- 7, Rosenthal, withdrawn: would retitle the chapter and require coverage for an enrollee’s gender-transition procedure or treatment itself. That proposed requirement was not enacted here. Amendment 7.
For the full amendment record, open the official amendment index.
Official bill versions
Compare the published text versions in the official text index. A change is not attributed to a specific amendment here without a verified record.
Who could benefit—and who could bear the costs?
Enrollees meeting the statutory conditions gain an express basis for coverage of related follow-up or reversal care, including people whose original treatment preceded enrollment in a plan that offers transition coverage. Affected plans face corresponding claims and administration duties. The law does not state that all transition care produces adverse effects, quantify how often complications occur, guarantee that a particular treatment is medically appropriate, or promise that covered care has no deductible or other out-of-pocket cost. Final law.
The March 25 introduced and April 3 substitute fiscal notes anticipate no significant state fiscal impact, assuming existing resources can absorb costs, and no local-government fiscal impact. They do not quantify private premiums, enrollee savings, claim frequency or a clinical risk. The act makes no appropriation. Those public-budget estimates should not be read as proof that insurers or patients face zero costs. Introduced fiscal note; Substitute fiscal note.
Official sources
- Bill history and latest recorded action
- Bill versions, analyses and fiscal notes
- Action history and votes
- Amendment index
Catalog report retrieved 2026-10-25. Check the official record for corrections or later changes.