HB 1809

bill barring insurance discrimination against widowed people

Companion SB 1238 became law

Verdict: No flags

No flagsInitial review

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 prohibited insurance discrimination against insureds who are widowed.

Caption from analyzed text · version I.

Summary

No dropping, limiting or different rates for being widowed.

The bill bars insurers from dropping, limiting, or charging different rates to a person because that person is widowed. It touches insurance companies covered by the state's anti-discrimination insurance chapter and the widowed people they insure. Starting with policies issued or renewed on or after September 1, 2025, a widowed person cannot be charged more or denied coverage on that basis.

Receipt

The receipt

89R-HB1809 · 2025-01-09

SOLD BY

Rep. Ana HernandezDHouse 143

ITEM

relating to prohibited insurance discrimination against insureds who are widowed.

WHAT IT DOES

No dropping, limiting or different rates for being widowed.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 17, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

Jan 9, 2025Filed
Mar 14, 2025Read first time
Mar 14, 2025Referred to Insurance
Apr 9, 2025Scheduled for public hearing on . . .
Apr 9, 2025Considered in public hearing
Apr 9, 2025Committee substitute considered in committee
Apr 9, 2025Testimony taken/registration(s) recorded in committee
Apr 9, 2025Left pending in committee
Apr 16, 2025Considered in formal meeting
Apr 16, 2025Committee substitute considered in committee
Apr 16, 2025Reported favorably as substituted
Apr 23, 2025Comte report filed with Committee Coordinator
Apr 23, 2025Committee report distributed
Apr 25, 2025Committee report sent to Calendars
Apr 28, 2025Considered in Calendars
Apr 30, 2025Placed on General State Calendar
May 1, 2025Companion considered in lieu of SB 1238
May 1, 2025Laid on the table subject to call

FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

Ana Hernandez

Donors

Texas Trial Lawyers Association PAC$35K Texas REALTORS Political Action Committee$15K Border Health PAC$10K

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 · Jul 1, 2024 to Oct 22, 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.

Texas Trial Lawyers Association PAC$35,000.00

Texas Trial Lawyers Association PAC

$35,000.00

Cash: $35,000.00
Paid by others: $0.00
Total: $35,000.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 10, 2024 to Sep 21, 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.

Report IDs: 100987003, 101013859, 101020093, 101059809, 101070083.

Texas REALTORS Political Action Committee$15,000.00

Texas REALTORS Political Action Committee

$15,000.00

Cash: $15,000.00
Paid by others: $0.00
Total: $15,000.00

Also funds 140 other sitting lawmakers.

Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Nov 1, 2024 to Sep 25, 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.

Report IDs: 100987003, 101072690.

Border Health PAC$10,000.00

Border Health PAC

$10,000.00

Cash: $10,000.00
Paid by others: $0.00
Total: $10,000.00

Also funds 17 other sitting lawmakers.

Derived recipient stock · Oct 28, 2024 to Aug 26, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · on Nov 26, 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: 101020093.

Money

Missing data does not establish zero giving. Display amounts are rounded.

Texas Trial Lawyers Association PAC

$35,000.00

Cash: $35,000.00
Paid by others: $0.00
Total: $35,000.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 10, 2024 to Sep 21, 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.

Report IDs: 100987003, 101013859, 101020093, 101059809, 101070083.

Texas REALTORS Political Action Committee

$15,000.00

Cash: $15,000.00
Paid by others: $0.00
Total: $15,000.00

Also funds 140 other sitting lawmakers.

Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Nov 1, 2024 to Sep 25, 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.

Report IDs: 100987003, 101072690.

Border Health PAC

$10,000.00

Cash: $10,000.00
Paid by others: $0.00
Total: $10,000.00

Also funds 17 other sitting lawmakers.

Derived recipient stock · Oct 28, 2024 to Aug 26, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · on Nov 26, 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: 101020093.

Votes

No floor vote loaded for this bill.

Witnesses9

For: 6
Against: 0
On: 3

Names

For

AARP Texas1 registration
Texas Appleseed1 registration
Texas Coalition for Patients1 registration
Texas Hospital Association1 registration
Texas Watch1 registration
United Ways of Texas1 registration

On

Insurance Council of Texas1 registration
National Association of Mutual Insurance Companies1 registration
Texas Department of Insurance1 registration

Sources

9 parsed registrations across the loaded witness lists.

Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.

House witness list. Source snapshot 2026-10-20, Central time.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 17, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

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 Jan 9, 2025

05/01/2025 H Laid on the table subject to call

Texas Legislature Online · Introduced · House Committee Report

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

House committee · Insurance · Committee vote 9 aye, 0 nay · Out of committee

Companion

SB 1238 by Kolkhorst (similar)

Subjects

Insurance--General

DISCRIMINATION

Text

The text as introduced · 151 words

89R6195 RDS-D

By: Hernandez
H.B. No. 1809

A BILL TO BE ENTITLED

AN ACT

relating to prohibited insurance discrimination against insureds

who are widowed.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 544.002, Insurance Code, is amended by

adding Subsection (d) to read as follows:

(d) Notwithstanding Section 544.003, an insurer may not

refuse to continue to insure or provide coverage to an individual,

limit the amount, extent, or kind of coverage available to an

individual, or charge an individual a rate that is different from

the rate charged to other individuals for the same coverage on the

basis that the individual is widowed.

SECTION 2. The change in law made by this Act does not apply

to an insurance policy that is delivered, issued for delivery, or

renewed before the effective date of this Act.

SECTION 3. This Act takes effect September 1, 2025.