Relating to availability of certain insurance from a self-insurance trust for health care liability claims.

HB 1649 amends Texas Insurance Code to clarify that self-insurance trusts for health care liability claims cannot require membership in the trust's creating association as a condition for issuing professional liability insurance to medical or dental professionals. The bill allows these trusts to purchase specific insurance types (like medical professional liability and excess coverage) and pay deductible claims on behalf of members. Key provisions prohibit trusts from making association membership mandatory for obtaining insurance, ensuring medical and dental practitioners can access coverage without forced association ties. This directly affects Texas health care providers seeking liability insurance, streamlining access to coverage options. The bill takes effect September 1, 2025, if not passed with a two-thirds vote.