Medicare Supplement in Texas
HB 2516 / Chris Larkin ALS Act (eff. 2025-06-20): guaranteed-issue Medigap for under-65 Texans on Medicare due to disability, ALS, or ESRD. Codified as new TX Insurance Code §§1652.059–1652.060.
The Texas HB 2516 / Chris Larkin ALS Act
As of June 20, 2025, Texas requires every Medigap carrier that offers coverage to people 65+ to also offer the same coverage to under-65 Texans on Medicare because of disability, ALS, or ESRD. The window is 6 months from your Part B effective date. This is a meaningful protection most national agencies still haven't updated their content for. Source: HB 2516 bill analysis, capitol.texas.gov.