HB 1649
bill opening self-insurance trust coverage to any Texas doctor
Died in committee
Verdict: No flags
Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade
Caption
relating to availability of certain insurance from a self-insurance trust for health care liability claims.
Caption from analyzed text · version I.
Summary
Doctors and dentists no longer have to join the association first.
The bill lets a self-insurance trust buy professional liability coverage for any doctor or dentist licensed in Texas, not just members of the association that created the trust. It also bars the trust from requiring a doctor or dentist to join that association before it will issue them a professional liability or other insurance contract. Licensed physicians and dentists who are not association members gain access to trust coverage, and the new rules take effect immediately or on September 1, 2025.
Labels
Labels: NEVER GOT A HEARING. Filed Dec 17, 2024 and referred to the House Insurance committee. No public hearing. The bill died.
Receipt
The receipt
89R-HB1649 · 2024-12-17
SOLD BY
ITEM
relating to availability of certain insurance from a self-insurance trust for health care liability claims.
WHAT IT DOES
Doctors and dentists no longer have to join the association first.
The bill lets a self-insurance trust buy professional liability coverage for any doctor or dentist licensed in Texas, not just members of the association that created the trust. It also bars the trust from requiring a doctor or dentist to join that association before it will issue them a professional liability or other insurance contract. Licensed physicians and dentists who are not association members gain access to trust coverage, and the new rules take effect immediately or on September 1, 2025.
CHARGES
[ ] NONE FOUND
TOTAL
No fiscal note in the loaded record.
HISTORY
- Filed
- Read first time
- Referred to Insurance
FILED UNDER
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
CAMPAIGN PAID FOR BY
Donors
Not tied to this bill.
Sources
The author's campaign account only. Own money and internal transfers are separate on the member page.
Derived itemized flow · Oct 28, 2024 to May 28, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Teans for Lawsuit Reform PAC$5,000.00
Teans for Lawsuit Reform PAC
$5,000.00
- Cash
- $5,000.00
- Paid by others
- $0.00
- Total
- $5,000.00
Also funds 0 other sitting lawmakers.
Derived recipient stock · on Jul 3, 2025. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
Sources
Derived itemized flow · on Jul 3, 2025. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101033926.
Missing data does not establish zero giving. Display amounts are rounded.
Teans for Lawsuit Reform PAC
$5,000.00
- Cash
- $5,000.00
- Paid by others
- $0.00
- Total
- $5,000.00
Also funds 0 other sitting lawmakers.
Derived recipient stock · on Jul 3, 2025. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
Sources
Derived itemized flow · on Jul 3, 2025. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101033926.
Votes
No floor vote loaded for this bill.
Fiscal
No fiscal note in the loaded record.
How this was graded
Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.
Sources
Texas House · Filed Dec 17, 2024
03/12/2025 H Referred to Insurance: Mar 12 2025 11:15AM
Texas Legislature Online · Introduced
Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.
House committee · Insurance · Final status: Died in committee
Subjects
Civil Remedies & Liabilities
Insurance--Health & Accident
Insurance--Property & Casualty
Text
The text as introduced · 242 words
89R2462 SCL-D By: Cain H.B. No. 1649 A BILL TO BE ENTITLED AN ACT relating to availability of certain insurance from a self-insurance trust for health care liability claims. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. The heading to Section 2212.054, Insurance Code, is amended to read as follows: Sec. 2212.054. POWERS AND DUTIES OF TRUST. SECTION 2. Section 2212.054, Insurance Code, is amended by amending Subsection (a) and adding Subsection (c) to read as follows: (a) A trust may: (1) purchase, on behalf of the members of the association that created the trust or other persons who are licensed to practice medicine or dentistry in this state , [ medical ] professional liability insurance, specific excess insurance, aggregate excess insurance, and reinsurance, as necessary in the opinion of the trustees; (2) purchase required risk management services; and (3) pay claims that arise under any deductible provisions. (c) A trust may not make membership in the association that created the trust a condition of issuing a contract for professional liability insurance or other insurance to a person licensed to practice medicine or dentistry in this state. SECTION 3. This Act takes effect immediately if it receives a vote of two-thirds of all the members elected to each house, as provided by Section 39, Article III, Texas Constitution. If this Act does not receive the vote necessary for immediate effect, this Act takes effect September 1, 2025.