Texas Medigap rules update 2025 was released as an informal draft of rule 33309 by the Texas Department of Insurance (TDI) on September 12 2025 (official PDF).
The draft invites public feedback on proposed adjustments to Medicare Supplement (Medigap) policies sold in Texas.
According to TDI, these changes seek to align state rules with federal requirements and clarify consumer protections, potentially affecting eligibility language and rating practices for some plans.
Written comments are due by October 2 2025 before the rule moves to the formal proposal stage.
Quick Answer: Texas Medigap rules update 2025 calls for public comments by Oct 2 2025 to improve clarity and compliance in Medigap protections.
On This Page
Background / Context
The informal draft of Texas Medigap rules update 2025 (rule 33309) proposes edits to existing Texas Administrative Code provisions for Medigap plans.
Stakeholders can access full text and submission instructions directly in the official TDI PDF.
These adjustments sit within the broader framework of state health insurance regulations and may influence how insurers disclose premium-rating methods.
They also reference processes described in the Medicare Claims Processing Manual used for benefit administration.
Federal Regulations / National Findings
Texas Medigap rules update 2025 cites the need to stay consistent with Section 1882 of the Social Security Act and the NAIC Model Regulation.
Such alignment ensures that Texas-issued Medigap policies remain compliant nationwide, benefiting cross-state portability and guaranteed-issue rights.
State-Level Variations
Historically, Texas added consumer-specific language on premium-rating disclosure and open-enrollment for disabled beneficiaries.
Under Texas Medigap rules update 2025, draft 33309 refines definitions and disclosure wording to better match the 2025 NAIC model.
| Area | Current Texas Approach | Proposed Change in Draft 33309 |
|---|---|---|
| Eligibility under 65 | Statutory open-enrollment window for disabled Medicare beneficiaries | Draft clarifies scope of eligible plans; no new window dates stated |
| Premium-rating disclosure | Method listed in outline of coverage | Draft retains requirement but updates definition section |
| Conformance to NAIC Model | Partial alignment (2020 edition) | Moves definitions toward 2025 NAIC version |
Impact on Policyholders / Consumers
The draft for Texas Medigap rules update 2025 suggests clearer policy forms and notices without announcing immediate premium changes.
Beneficiaries under 65—especially those with pre-existing conditions coverage concerns—should check how clarified eligibility language may affect which Medigap plans they can purchase.
FAQ
What changes is Texas proposing for Medicare Supplement (Medigap) policies?
The informal Texas Medigap rules update 2025 mainly revises definitions, disclosure language, and NAIC alignment; no new benefits or premium-rate changes are announced.
How could the update affect under-65 Medicare beneficiaries?
It could clarify which plans are open to under-65 disabled beneficiaries, but introduces no new enrollment periods or pricing changes in this stage.
What is the timeline from informal draft to adopted rule?
TDI accepts comments until Oct 2 2025. After review, the department may issue a formal proposed rule in the Texas Register, then hold another comment round before final adoption.
Where do consumers and stakeholders submit comments?
Directions for written or electronic submissions appear in Section II of the TDI PDF; no online form is listed.
Key Takeaways
- The TDI has released an informal draft on Medigap rules; comments are due by October 2, 2025.
- The adjustments aim to improve regulatory alignment and clarify policyholder protections.
- The changes could affect eligibility and pricing for supplemental coverage.
- Texas Medigap rules update 2025 — comment deadline Oct 2 2025.
Conclusion
Texas Medigap rules update 2025 reflects TDI’s effort to streamline Medigap regulations with the federal NAIC model and improve consumer clarity.
Current policyholders should see no immediate benefit or premium changes, but under-65 beneficiaries may be affected by clarified eligibility language.
All stakeholders are encouraged to review the draft and submit feedback by Oct 2 2025 to ensure their concerns are considered before the rule is finalized.
Regulatory Disclaimers
- Summary based solely on TDI informal draft rule 33309 (Sept 12 2025); not legal or financial advice.
- Consult the Texas Administrative Code and TDI publications for official requirements.
- Insurance Zenith does not endorse any insurer or product and bears no liability for actions taken based on this summary.