Office of Public Insurance Counsel

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Health

What are your rights if a drug is removed from your health plan's formulary?

Learn about your rights when it comes to drug formularies. Click here to read.
Health

Health insurance works differently in emergencies!

Emergency care can vary in price and services depending on where you go. You can save time and money and get the care you need if you know before you go. Click here to read.

Flood Insurance Tips

Find information on insurance coverage for flood damage to your home or auto at www.opic.texas.gov/flood-insurance.

FEMA: 800-621-3362
NATIONAL FLOOD INSURANCE PROGRAM (NFIP): 800-427-4661
TDI'S CONSUMER HELP LINE: 800-252-3429

Comparing Policy Coverages

Are you shopping for new insurance or thinking about changing your current coverage? Our easy-to-use Policy Comparison Tool can provide the information you need to make an informed decision.

For Auto, click here.
For Residential Property, click here.

Surprise Bills

Receive a Medical Bill
Despite Having Insurance?

You may not have to pay for all, or any, of the bill!
Instead, you may be able to use a process called mediation.
Find out more here .

Auto Insurance

Are You Paying Too

Much For Car Insurance?

You may be able to save a significant amount of money on your car insurance by simply shopping. The State of Texas has developed some easy to use resources to help you save money. Find out more by visiting OPIC's "Shopping For Auto Insurance" page.

HMOs

OPIC's 2017 HMO Reports Available

The Office of Public Insurance Counsel released its annual HMO reports Comparing Texas HMOs 2017 and Guide to Texas HMO Quality 2017. The reports review plan members' satisfaction with aspects of their HMO and basic services covered by the HMO.

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 auto, residential 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 articles, publications, 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.

Highlights

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.
Flood2.English

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.