Welcome to OPIC

Welcome to the Office of Public Insurance Counsel (OPIC) website. OPIC's mission is to work hard each day to make the Texas insurance market more transparent, efficient, and responsive to its customers.  

We represent the interests of Texas consumers in regulatory matters involving autoresidential property, and title insurance and we participate in rulemaking proceedings for life and health insurance.  We also work with the Texas Legislature and interested stakeholders to advance the interests of Texas insurance consumers. 

This website provides detailed information on each major line of insurance as well as access to insurance-related articlespublications, and reports. We are always seeking to improve so please tell us how user-friendly you found this site by filling out our consumer survey.  

Thanks for visiting and please come back often.  


OPIC Objects to TWIA Rate Filing

OPIC filed an objection with the Texas Department of Insurance (TDI) yesterday asking the Commissioner of Insurance to disapprove the 10% rate increase submitted by the Texas Windstorm Insurance Association (TWIA) on August 14, 2018. 

OPIC Objection Letter

TDI Plain Language Initiative Underway

OPIC is committed to helping Texas consumers better understand insurance so that they can purchase insurance policies that best meet their needs.

As part of these efforts, OPIC is making its info easier to understand by use of plain language.

Plain language makes communications easier to understand by using less jargon, shorter sentences, bigger text, and simplified formatting.

OPIC Produces Flood Postcards

Were you affected by recent flooding in your area? OPIC has produced a postcard with important info you will need. Download in English or Spanish.

TDI Launches Improved Guide for Comparing Health Care Costs

  • The Texas Department of Insurance (TDI) recently updated its website for helping consumers compare the costs of different medical services and procedures.
  • By helping you understand how much different medical services and procedures typically cost, this tool can help you know if you are ever overcharged or undercharged.
  • Knowing your upfront costs can help you budget for planned medical expenses.
  • Check out TDI’s new cost information guide here.