Amend SB 265 (committee printing) as follows:                                
	(1)  On page 2, line 1, add the following new sections and 
renumber appropriately:
	SECTION 2.  Subchapter B, Chapter 4004, Insurance Code, as 
effective April 1, 2005, is amended by adding Section 4004.0536 as 
follows:
	Sec. 4004.0536.  CONTENT OF CONTINUING EDUCATION PROGRAM.   
A continuing education program for individuals who hold a general 
life accident and health license, a life and health insurance 
counselors license or a limited life accident and health license 
may include information related to the Health Insurance Portability 
and Accountability Act, Texas Insurance Code Chapter 1501, 
including provisions related to participation and contribution 
requirements and renewability of coverage.
	SECTION 3.  Section 1501.108, Insurance Code, is amended by 
adding Subsection (d) to read as follows:
	(d)  A small or large employer health benefit plan issuer may 
modify a particular small or large employer health benefit plan at 
the time of coverage renewal if the modification applies uniformly 
to all small or large employers whose employees are covered by that 
health benefit plan.
	SECTION 4.  Section 1501.153(a), Insurance Code, is amended 
to read as follows:
	(a)  This chapter does not require a small employer to make 
an employer contribution to the premium paid to a small employer 
health benefit plan issuer, but the issuer may require an employer 
contribution in accordance with the issuer's usual and customary 
practices applicable to each of the issuer's small employer group 
health benefit plans in this state.  The issuer shall apply the 
employer contribution level uniformly to each small employer 
offered or issued coverage under a small employer health benefit 
plan by the issuer in this state.
	SECTION 5.  Sections 1501.155(a) and (b), Insurance Code,                      

are amended to read as follows:                                               
	(a)  A small employer health benefit plan issuer may offer a 
small employer health benefit plan to a small employer with a

participation level of less than 75 percent of the employer's                 

eligible employees if the issuer permits the same qualifying                  

participation level for each of the small employer health benefit 
plans [plan] offered by the issuer in this state.
	(b)  A small employer health benefit plan issuer may offer a 
small employer health benefit plan to a small employer even if the 
employer's participation level is less than the issuer's qualifying 
participation level for a small employer health benefit plan
established in accordance with Subsection (a) if:
		(1)  the employer obtains a written waiver from each                          

eligible employee who declines coverage under a health benefit plan 
offered to the employer stating that the employee was not induced or 
pressured to decline coverage because of the employee's risk 
characteristics; and
		(2)  the issuer accepts or rejects the entire group of 
eligible employees who choose to participate and excludes only 
those employees who have declined coverage.
	SECTION 6.  Sections 1501.605(a) and (d), Insurance Code,                      

are amended to read as follows:                                               
	(a)  A large employer health benefit plan issuer may require 
a large employer to meet a minimum contribution or participation 
requirement as a condition of issuance or renewal in accordance 
with the issuer's usual and customary practices for each of [all] 
the issuer's large employer health benefit plans in this state.
	(d)  A participation requirement must be stated in the health 
benefit plan contract and must be applied uniformly to each large 
employer offered or issued coverage under a large employer health 
benefit plan by a large employer health benefit plan issuer in this 
state.