SB 2808
bill requiring approval before insurers raise premium rates
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 approval of premium rate increases by the commissioner of insurance.
Caption from analyzed text · version I.
Summary
Insurers and HMOs need the commissioner’s okay for higher rates.
The bill makes insurers and HMOs get the insurance commissioner's approval before they can charge a higher premium rate than they used in the previous 12 months. It touches every insurer and health maintenance organization doing business in Texas, and the people who buy their policies. Starting with policies issued or renewed on or after January 1, 2026, a rate hike cannot be collected until the company files the new rate and the commissioner signs off.
Labels
Labels: NEVER GOT A HEARING. Filed Mar 14, 2025 and referred to the Senate Business & Commerce committee. No public hearing. The bill died.
Receipt
The receipt
89R-SB2808 · 2025-03-14
SOLD BY
ITEM
relating to approval of premium rate increases by the commissioner of insurance.
WHAT IT DOES
Insurers and HMOs need the commissioner’s okay for higher rates.
The bill makes insurers and HMOs get the insurance commissioner's approval before they can charge a higher premium rate than they used in the previous 12 months. It touches every insurer and health maintenance organization doing business in Texas, and the people who buy their policies. Starting with policies issued or renewed on or after January 1, 2026, a rate hike cannot be collected until the company files the new rate and the commissioner signs off.
CHARGES
[ ] NONE FOUND
TOTAL
No fiscal note in the loaded record.
HISTORY
- Received by the Secretary of the Senate
- Filed
- Read first time
- Referred to Business & Commerce
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 Jun 15, 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.
Texans for Lawsuit Reform PAC$50,000.00
Texans for Lawsuit Reform PAC
$50,000.00
- Cash
- $50,000.00
- Paid by others
- $0.00
- Total
- $50,000.00
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 · Jun 23, 2025 to Sep 8, 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: 101010787, 101032653.
Denton County Republican Lincoln Cabinet PAC$25,000.00
Denton County Republican Lincoln Cabinet PAC
$25,000.00
- Cash
- $25,000.00
- Paid by others
- $0.00
- Total
- $25,000.00
Also funds 1 other sitting lawmakers.
Derived recipient stock · Apr 8, 2026 to Apr 21, 2026. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
Sources
Derived itemized flow · on Apr 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: 101058859.
Missing data does not establish zero giving. Display amounts are rounded.
Texans for Lawsuit Reform PAC
$50,000.00
- Cash
- $50,000.00
- Paid by others
- $0.00
- Total
- $50,000.00
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 · Jun 23, 2025 to Sep 8, 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: 101010787, 101032653.
Denton County Republican Lincoln Cabinet PAC
$25,000.00
- Cash
- $25,000.00
- Paid by others
- $0.00
- Total
- $25,000.00
Also funds 1 other sitting lawmakers.
Derived recipient stock · Apr 8, 2026 to Apr 21, 2026. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
Sources
Derived itemized flow · on Apr 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: 101058859.
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 Senate · Filed Mar 14, 2025
04/07/2025 S Referred to Business & Commerce
Texas Legislature Online · Introduced
Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.
Senate committee · Business & Commerce · Final status: Died in committee
Subjects
Insurance--General
Insurance--Insurers & Agents
HEALTH MAINTENANCE ORGANIZATIONS
INSURANCE, COMMISSIONER OF
Text
The text as introduced · 256 words
89R16189 SCL-D By: Hagenbuch S.B. No. 2808 A BILL TO BE ENTITLED AN ACT relating to approval of premium rate increases by the commissioner of insurance. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. The heading to Subtitle E, Title 5, Insurance Code, is amended to read as follows: SUBTITLE E. PREMIUMS AND PREMIUM FINANCING SECTION 2. Subtitle E, Title 5, Insurance Code, is amended by adding Chapter 652 to read as follows: CHAPTER 652. RATE INCREASE LIMITATIONS Sec. 652.001. DEFINITIONS. In this chapter, "health maintenance organization" and "insurer" have the meanings assigned by Section 401.001. Sec. 652.002. COMMISSIONER APPROVAL REQUIRED. Notwithstanding any other law and in addition to any other applicable rating requirements, before an insurer or health maintenance organization may collect a premium at a rate that has increased from the rate used by the insurer or health maintenance organization in the previous 12-month period, the insurer or health maintenance organization shall: (1) file the proposed rate with the department along with any applicable rating manuals, supplementary rating information, and additional information as required by the commissioner; and (2) obtain approval from the commissioner for the proposed rate in accordance with rating standards applicable to the line of insurance or the coverage for which the rate is used. SECTION 3. The changes in law made by this Act apply only to an insurance policy or health benefit plan delivered, issued for delivery, or renewed on or after January 1, 2026. SECTION 4. This Act takes effect September 1, 2025.