TX HB3943

Prohibits health benefit plan issuers from offering higher reimbursement rates to healthcare practitioners who agree to leave nonaffiliated providers and join affiliated providers (providers controlled by or under common control with the insurer)

Bars issuers from paying affiliated providers more than nonaffiliated providers for the same healthcare services, except for value-based or capitation reimbursement arrangements

Prohibits issuers from encouraging or directing patients to use affiliated providers through online messaging, targeted advertising, or marketing, with exceptions for providers accepting lower rates, risk-sharing arrangements, or value-based quality tiers

Prevents issuers from requiring patients to use affiliated providers to receive maximum plan benefits, offering reduced cost-sharing incentives for affiliated provider use, or soliciting prescription transfers to affiliated providers

Applies to health benefit plans delivered, issued, or renewed on or after January 1, 2026, covering insurance companies, HMOs, and other health plan issuers but exempting Medicaid, CHIP, state employee plans, and workers' compensation