Lawmakers consider Medigap pricing change for Texans under 65 with severe disabilities

May 14, 2025

House Bill 25 16 would require insurers to offer Medicare supplement (Medigap) plans to Texans under 65 who qualify for Medicare due to disability (including ALS and end‑stage renal disease) at more comparable rates to seniors; patient advocates described high premiums and financial burdens, while witnesses urged legislative action.

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House Bill 25 16 would require entities that deliver Medicare supplement plans in Texas to offer guaranteed‑issue Medigap coverage to Texans under age 65 who qualify for Medicare because of disability, amyotrophic lateral sclerosis (ALS) or end‑stage renal disease. Sponsor testimony described the current disparity in premiums for disabled younger Medicare recipients compared with seniors and urged a statutorily guaranteed‑issue approach similar to statutes in other states.

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