Relating to an enrollee's cost-sharing liability for emergency care under a health benefit plan.

HB 4046 requires health benefit plan issuers (like private insurance companies) to cover the full cost of emergency care for enrollees, including the enrollee's out-of-pocket share (such as deductibles or coinsurance). This applies to all private health plans covered under Texas Insurance Code, excluding Medicaid. Under the bill, issuers must pay providers the full amount directly and collect any required cost-sharing from enrollees themselves - preventing providers from billing enrollees for emergency care costs. The law defines "emergency care" per existing Texas law and excludes Medicaid programs from its requirements.