Credit Report for Health Insurance in Texas

Q. Is a credit report for health insurance required in Texas?

A. While it is allowable for insurers in the state of Texas to review one’s credit report prior to providing an insurance quote, a credit report for health insurance is not required. Insurers can consider credit information for making decisions regarding whether or not to insure someone, as well as what premium rates to charge. An insurance company cannot, however, refuse to sell an individual an insurance policy based solely on his or her credit.

The only state that actually prohibits insurance companies from using your credit score is California. All other states make it optional for insurance companies to check your credit – although many do take advantage of doing so prior to offering a policy, or even a premium quote.


Susan Wright holds a BA from Michigan State University and an MBA from St. Louis University. Having over 20 years of working experience in the insurance and financial services industry, she has trained more than 10,000 financial services representatives. Susan has had licenses in real estate, insurance, and NASD Securities, and she has earned nine industry professional designations, including CLU, ChFC, RHU, REBC, CSA, CLTC, CCFC, CSS, and ADPA. Read more about her on Google+

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