The Office of Public Insurance Counsel (OPIC) represents the interests of Texas consumers in insurance matters. OPIC empowers and educates consumers and works on their behalf to create and maintain a balanced marketplace.
What We Do
The Texas Legislature established OPIC as an independent agency in 1991. OPIC represents the interests of Texas consumers in insurance matters.
OPIC reviews and analyzes insurance rates, rules, and policy forms. As a result of these reviews, OPIC may make comments, raise concerns, or file formal objections. The agency may also intervene as a party in rate hearings before the Commissioner of Insurance and the State Office of Administrative Hearings.
OPIC recommends legislation to the Texas Legislature that benefits insurance consumers. OPIC also provides resource testimony and information on insurance issues.
Consumer Education and Outreach
One of OPIC’s most important duties is consumer education and outreach. The agency annually develops a Health Maintenance Organization (HMO) report card so consumers can evaluate HMOs’ quality of care and consumer satisfaction. OPIC produces consumer bills of rights to help Texans understand their rights under the law. Staff also assists consumers over the phone and by email.
OPIC creates informational postcards, brochures, and other materials for consumers. OPIC also educates consumers through its website and social media applications. The Policy Comparison Tool on the website helps consumers compare policies and coverage when shopping for insurance. Agents can send feedback about issues in the marketplace through the website’s Agent Portal.