Relating to required health benefit plan coverage for gender transition adverse effects and reversals.

HB 778 requires most health insurance plans in Texas to cover medical expenses related to complications ("adverse effects") from gender transition treatments and procedures to reverse those treatments. It applies to individual, group, and employer-sponsored health plans, including HMOs, nonprofit health plans, and certain government-sponsored coverage. The law specifically mandates coverage for medical/surgical expenses tied to complications or reversals of gender transition procedures, not for standard transition care itself. This affects insurers offering plans under Texas Insurance Code chapters 842-846, 884-885, 941-942, and 1501-1682.