HB 1959 proposes changes to certain practices of health benefit plan issuers in Texas regarding their interactions with physicians and healthcare providers. The bill allows health maintenance organizations (HMOs) and insurers to provide incentives for enrollees to use specific physicians or healthcare providers through modified cost-sharing mechanisms such as deductibles, copayments, and coinsurance. It establishes a fiduciary duty for insurers and HMOs to act in the best interest of the insured when offering such incentives or implementing tiered network plans. Additionally, the bill revises the rules related to ranking or classifying physicians by health benefit plan issuers. It mandates that issuers must follow specific guidelines set by unbiased, nationally recognized organizations that meet transparency and quality standards. Physicians will have the right to review rankings and report discrepancies before public release. Health benefit plan issuers must rectify errors identified by physicians within a specified timeframe. The bill also introduces a new requirement that prohibits insurers from publishing physician rankings or classifications unless they conform to established standards and allow affected physicians to dispute their rankings with due process protections.