Medical Debt Protections in Texas
State protections for medical debt in Texas, including credit reporting and collection limits.
Short answer: A consumer reporting agency may not report a medical collection account if the consumer had health coverage and the balance (after copays, deductibles and coinsurance) is owed to an emergency care provider or facility-based provider for an out-of-network claim. Tex. Bus. & Com. Code 20.05(a)(5), (c)
| Medical debt protections | A consumer reporting agency may not report a medical collection account if the consumer had health coverage and the balance (after copays, deductibles and coinsurance) is owed to an emergency care provider or facility-based provider for an out-of-network claim. Medical information may not be included in reports for credit, insurance or marketing purposes without the consumer's consent. |
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Where to get help in Texas
More Texas debt & collections
- Statute of Limitations on Debt in Texas
- Wage Garnishment in Texas
- How to Respond to a Debt Collection Lawsuit in Texas
- What Creditors Can't Take in Texas
- All Texas debt & collections rules
FAQ
What protections apply to medical debt in Texas?
A consumer reporting agency may not report a medical collection account if the consumer had health coverage and the balance (after copays, deductibles and coinsurance) is owed to an emergency care provider or facility-based provider for an out-of-network claim. Medical information may not be included in reports for credit, insurance or marketing purposes without the consumer's consent.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.