HB 4603
bill setting a 90-day mediation deadline for out-of-network claims
Companion SB 2544 became law
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 eligibility for mediation of certain out-of-network health benefit claims.
Caption from analyzed text · version I.
Summary
The clock starts when the provider gets its first payment.
The bill puts a 90-day deadline on requesting mandatory mediation over out-of-network health benefit claims, counted from the day the provider gets its first payment. It touches out-of-network doctors and other providers, and health plan issuers and administrators who dispute what was paid. Late requests would no longer qualify for mediation, and the insurance commissioner must write implementing rules within 30 days of the effective date.
Receipt
The receipt
89R-HB4603 · 2025-03-12
SOLD BY
ITEM
relating to eligibility for mediation of certain out-of-network health benefit claims.
WHAT IT DOES
The clock starts when the provider gets its first payment.
The bill puts a 90-day deadline on requesting mandatory mediation over out-of-network health benefit claims, counted from the day the provider gets its first payment. It touches out-of-network doctors and other providers, and health plan issuers and administrators who dispute what was paid. Late requests would no longer qualify for mediation, and the insurance commissioner must write implementing rules within 30 days of the effective date.
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 29, 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
- Filed
- Read first time
- Referred to Insurance
- Scheduled for public hearing on . . .
- Considered in public hearing
- Testimony taken/registration(s) recorded in committee
- Left pending in committee
- Considered in formal meeting
- Committee substitute considered in committee
- Reported favorably as substituted
- Comte report filed with Committee Coordinator
- Committee report distributed
- Committee report sent to Calendars
- Considered in Calendars
- Placed on General State Calendar
- Read 2nd time
- Postponed 5/8/25 8:00 AM
- Companion considered in lieu of SB 2544
- Laid on the table subject to call
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 27, 2024 to Oct 20, 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 Conservative Majority PAC$199,350.00
Texas Conservative Majority PAC
$199,350.00
- Cash
- $125,000.00
- Paid by others
- $74,350.00
- Total
- $199,350.00
Also funds 42 other sitting lawmakers.
Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Aug 17, 2026 to Oct 8, 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: 101067971, 101072248.
Texans for Lawsuit Reform PAC$150,123.30
Texans for Lawsuit Reform PAC
$150,123.30
- Cash
- $105,000.00
- Paid by others
- $45,123.30
- Total
- $150,123.30
Also funds 124 other sitting lawmakers.
Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Aug 20, 2026 to Oct 5, 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: 101067971, 101072248.
Texans for Truth and Liberty PAC$55,000.00
Texans for Truth and Liberty PAC
$55,000.00
- Cash
- $55,000.00
- Paid by others
- $0.00
- Total
- $55,000.00
Also funds 44 other sitting lawmakers.
Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Jun 24, 2025 to Sep 30, 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: 101006291, 101067971, 101072248.
Missing data does not establish zero giving. Display amounts are rounded.
Texas Conservative Majority PAC
$199,350.00
- Cash
- $125,000.00
- Paid by others
- $74,350.00
- Total
- $199,350.00
Also funds 42 other sitting lawmakers.
Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Aug 17, 2026 to Oct 8, 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: 101067971, 101072248.
Texans for Lawsuit Reform PAC
$150,123.30
- Cash
- $105,000.00
- Paid by others
- $45,123.30
- Total
- $150,123.30
Also funds 124 other sitting lawmakers.
Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Aug 20, 2026 to Oct 5, 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: 101067971, 101072248.
Texans for Truth and Liberty PAC
$55,000.00
- Cash
- $55,000.00
- Paid by others
- $0.00
- Total
- $55,000.00
Also funds 44 other sitting lawmakers.
Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Jun 24, 2025 to Sep 30, 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: 101006291, 101067971, 101072248.
Votes
No floor vote loaded for this bill.
Witnesses12
- For
- 6
- Against
- 5
- On
- 1
Names
For
- AARP Texas1 registration
- Baylor Scott & White Health1 registration
- Blue Cross and Blue Shield of Texas1 registration
- Texas Association of Business1 registration
- Texas Association of Community Health Plans1 registration
- Texas Association of Health Plans1 registration
Against
- HCA Healthcare1 registration
- Self3 registrations
- Texas Hospital Association1 registration
On
- Texas Department of Insurance1 registration
Sources
12 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 29, 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 Mar 12, 2025
05/08/2025 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 8 aye, 0 nay, 1 absent · Out of committee
Companion
SB 2544 by Hancock (identical)
Subjects
Insurance--Health & Accident
MEDIATION, DISPUTE RESOLUTION, & ARBITRATION
Text
The text as introduced · 250 words
2025S0220-T 03/12/25 By: Morgan H.B. No. 4603 A BILL TO BE ENTITLED AN ACT relating to eligibility for mediation of certain out-of-network health benefit claims. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. Section 1467.054(a), Insurance Code, is amended to read as follows: (a) Not later than the 90th day after the date an out-of-network provider receives an initial payment for a health care or medical service or supply, an [ An ] out-of-network provider or a health benefit plan issuer or administrator may request mandatory mediation under this subchapter. SECTION 2. (a) Not later than the 30th day after the effective date of this Act, the commissioner of insurance shall adopt rules necessary to implement the changes in law made by this Act. (b) The changes in law made by this Act apply only to a health care or medical service or supply provided on or after the 30th day after the effective date of this Act. A health care or medical service or supply provided before that date is governed by the law in effect immediately before the effective date of this Act, and that law is continued in effect for that purpose. 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.