1. (a) An insurer, health maintenance organization, or agent may offer or provide noncash gifts, items, or services, including meals, to or charitable donations on behalf of a consumer, in connection with the marketing, sale, purchase, or retention of policies or contracts of insurance, annuity, or health care plan coverage, provided:

   1. (1) the cost does not exceed an amount determined to be reasonable by the commissioner per policy or contract year per term;
   2. (2) the offer is made in a manner that is not unfairly discriminatory; and
   3. (3) the consumer is not required to purchase, continue to purchase, or renew a policy or contract in exchange for the gift, item, or service.

2. (b) An insurer, health maintenance organization, or agent may conduct raffles or drawings to the extent permitted by the laws of this state, provided:

   1. (1) there is no financial cost to participate;
   2. (2) the raffle or drawing does not obligate participants to purchase, continue to purchase, or renew a policy or contract;
   3. (3) the prizes are not valued in excess of a reasonable amount determined by the commissioner and the raffle or drawing is open to the public; and
   4. (4) the raffle or drawing is offered in a manner that is not unfairly discriminatory.

Added by Acts 2025, 89th Leg., R.S., Ch. 581 (H.B. 2221), Sec. 2, eff. September 1, 2025.