Texas health insurance companies have rights, just as the policyholder does.  They are not required by law to issue you a health insurance policy just because you apply for one. 

You can be turned down if you have certain health problems. 

Texas Health Insurance Risk Pool was set up for ones in this category. You may have certain medical problems that will make you almost uninsurable, such as AIDS or certain types of cancer.

If you are covered by an individual Texas health insurance plan the laws governing health insurance companies protect you. 

If you have a new baby (including adoption) the child is automatically covered for a month.  After this you must add them to your medical insurance policy. 

If you have a child with permanent limitations Texas health insurance guarantees their coverage past the standard age. 

Grandparents come under this protection too.  If you have custody of your grandchild(ren) and they are entirely dependant upon you for their care they are also covered.

This having been said, it is good to keep in mind that Texas health insurance policies are not standard.

Never have been - not likely they ever will be.

Why? 

For the same reason every restaurant does not sell the same food. 

People do not want it that way.  Your needs may be just the opposite of your neighbors, so why would a policy cover you both exactly the same? 

When getting insurance quotes you must determine your needs, select the options that are important to you and what rates you can afford to pay.