Relating to prohibited insurance discrimination on the basis of an insured's marital status following the death of the insured's spouse.

HB 4392 prohibits Texas insurance companies from denying coverage, limiting benefits, or charging higher rates to individuals solely because they are widowed or their marital status reflects a spouse's death. It applies to new insurance policies issued on or after September 1, 2025, but does not affect existing policies in force before that date. The law requires insurers to treat widowed people the same as married individuals for rate and coverage purposes. This change updates the Texas Insurance Code to eliminate marital status discrimination following spousal loss.