Medical Loss Ratios are a significant new regulation of insurance markets, and the Texas Department of Insurance contends that they will destabilize the state’s small group and individual insurance marketplaces.
Health Care
‘Fail First’ Policies Failed Me, It’s Time to Fix Step Therapy in Texas
When I was 14 years old, I was diagnosed with Rheumatoid Arthritis, a chronic autoimmune disease in which the immune system attacks the joints, organs, and tissues it’s meant to protect. That diagnosis marked the start of a lifelong battle not just against disease, but against a system designed to deny me the treatment I...
August 13, 2025