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Texas discount health care bonds.
$1,025 flat.
To register a discount health care program in Texas, an operator must file a $50,000 surety bond with the Texas Department of Insurance, payable for the benefit of members. Ours is $1,025 flat — the price you see is the checkout price, identical for everyone. A quick soft credit check may apply — never a hard inquiry; the bond is issued when you pay.
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Three steps to registered.
Your TDI registration is waiting on this bond. Here's the entire process — no broker phone tag:
Apply once, online
Business details, owner information, effective date, and the mailing address for the original bond. That is the application — plus a one-time consent to a soft credit check, run as a soft pull only.
Approved
Most are approved as soon as you apply. One soft credit pull, never a hard inquiry, and it never affects your score. If it needs a second look, one to two business days at most.
E-sign & file with the TDI
Pay online and receive the executed bond (form FIN525) ready to file with your registration. The original must be signed by the principal before filing — wet-ink original mailed to you.
What it is and who needs it.
What the bond actually guarantees
A discount health care program sells members access to discounts on health-care services for a fee — it is not insurance. Texas regulates these operators through the Texas Department of Insurance (TDI), which requires registration before a program can be offered in the state.
As a condition of registration, the operator must maintain a $50,000 surety bond payable to the department for the use and benefit of members, under Insurance Code §562.103(f) (with registration governed by Chapter 7001). If the operator fails its obligations to members, they can recover against the bond.
It's a three-party arrangement: you (the principal), the surety, and the TDI together with your members (the protected parties). If the surety pays a claim, you repay the surety — it is not insurance for you. An operator that already holds a TDI certificate of authority as an insurer is exempt from the bond.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $50,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
E-sign & file with the TDI. Pay online and receive the executed bond (form FIN525) ready to file with your registration. The original must be signed by the principal before filing — wet-ink original mailed to you.
What sets the price
The premium is fixed at $1,025 at the $50,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual underwriting fields, including the mailing address for the original bond and a one-time soft credit check. Submit once and your bond is issued when you pay.
Start the application →Common questions.
Other Texas bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
The TDI is waiting on one document.
$1,025 flat, short application, bond issued when you pay. Free until issued.