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Texas Department of Insurance
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FAQ for policyholders of Bright HealthCare Insurance Company of Texas


This notice provides information about Bright HealthCare Insurance Company of Texas (Bright HealthCare Texas). Bright HealthCare Texas is a life, accident and health insurer domiciled in Texas and licensed only in Texas. It is intended to provide consumers an overview about the condition of Bright HealthCare Texas.

General information

1. Is Bright HealthCare Texas still in business?

No, on November 29, 2023, Bright HealthCare Texas was placed in receivership and ordered into liquidation by the Travis County District Court in Austin, Texas in case number D-1-GN-23-008361. Cantilo & Bennett, L.L.P. is the Special Deputy Receiver (SDR) responsible for the day-to-day administration of Bright HealthCare Texas. See the order appointing the liquidator (PDF)

2. Why is Bright HealthCare Texas in liquidation?

On November 29, 2023, The Travis County District Court in Austin, Texas (Receivership Court) issued an order finding Bright HealthCare Texas was insolvent, placing it into Liquidation, and appointing the Texas Commissioner of Insurance as Liquidator. Bright HealthCare Texas does not have admitted assets equal to its liabilities and has total adjusted capital less than that required under Texas Insurance Code chapter 841.

3. Can I renew, make changes, or add coverage to my Bright HealthCare Texas policy?

There will be no renewals, policy or coverage changes, or new policies issued.

Claims information

4. What if I have a new claim?

For the time being, all new claims should be reported to Bright HealthCare Texas by calling 844-926-4524 or mail to:

Bright HealthCare Claims
PO Box 211502
Eagan, MN 55121

Policyholders do not need to submit any additional documentation beyond the normal claim submissions for the Texas Life & Health Insurance Guaranty Association (TLHIGA) to process their claims. There may be a delay initially in the payment of claims because of the transition to receivership. Policyholders with claims that may exceed TLHIGA’s statutory coverage limit will be notified by the SDR of any possible claim against the assets of the Bright HealthCare Texas receivership estate. New and existing claims may be covered by TLHIGA. For more information about TLHIGA, visit

5. What should I do if I currently have a claim check that was issued for a claim on a Bright HealthCare Texas policy?

Checks issued prior to liquidation for claims covered by TLHIGA will be reissued by TLHIGA once the claim information is transferred.

6. What if I have an unpaid claim? Is my claim covered by a guaranty association?

TLHIGA will provide coverage for all eligible Bright HealthCare Texas policyholders (most of whom will be Texas residents), subject to the lesser of their policy limits or the statutory limit of $500,000 for any one individual. For more information about TLHIGA, visit

7. What if my claim is not covered by TLHIGA?

All claims against Bright HealthCare Texas that are not covered in whole or in part by TLHIGA should be submitted to the SDR in the Proof of Claim (POC) process. This includes claims that are related to insurance policies but denied coverage by TLHIGA. It does not include claims for amounts over TLHIGA limits (see question 4). It also includes claims for goods or services provided to Bright HealthCare Texas that are not related to insurance policies. If a POC is approved, it may be payable from Bright HealthCare Texas’s available funds. The SDR cannot predict when or if there will be funds available to pay any approved POCs. 

8. How does the POC process work?

The Receivership Court will approve a POC form and instructions and set a claims filing deadline. Once the POC form and deadline are approved by the Receivership Court, the SDR will provide notice of the POC deadline to known creditors, publish notice in newspapers, and post the POC form and instructions on the SDR web site. 

9. How do I keep up with what is going on in the receivership?

All pleadings filed in the Bright HealthCare Texas estate, as well as relevant notices, will be posted at

Contact information

10. How do I contact the Texas Life and Health Insurance Guaranty Association?

Phone: 512-476-5101, or toll-free 800-982-6362
Fax: 512-472-1470
Mailing address: TLHIGA, 1717 West 6th Street, Suite 230, Austin, TX 78758

11. How do I contact the SDR?

Cantilo & Bennet, L.L.P. – Special Deputy Receiver
Phone: 512-478-6000
Fax: 512-404-6550
Mailing address: 11401 Century Oaks Terrace, Suite 300, Austin, TX 78758

When corresponding with the SDR, include your policy number, claim number, and contact information on each piece of correspondence.


For more information, contact:

Last updated: 12/21/2023