do all bcbs policys have a subrogation clause

It depends. Check with your health insurer and ask whether or not their is a subrogation clause in your policy. If there is, then your health insurer will likely want "pay back" of any monies they have paid out on your behalf that are related to the auto accident. If there is no such clause then any settlement money is likely yours for the taking/keeping.

In case you aren't familiar with the term subrogation, most companies refer to subrogation as the process in which expenses are recouped for a claim paid on behalf of the insured when another party should have been responsible for paying some, or all, of that claim.

does Texas allow waiver of subrogation for workers compensation

First, the difference used to matter in the US, but in most instances the difference is negligible now. Common law subrogation arises from the historic decisions of the courts of the state or jurisdiction where the subrogation lien arose. These courts in almost every state established laws that provided that a payor of another's true debt would have a claim against the responsible party (or - more accurately - a lien on the harmed party's claim against the responsible party). Contractual subrogation technically arises out of a contract (such as an insurance policy or mortgage agreement) that provides in a clause or two that if payments need to be made then the payor will have a claim (or a lien on the claim) against the responsible party. Nowadays, the distinction between the two is very blurry as most courts recognize the common law subrogation right, and treat it in tandem with the contractual subrogation rights. Ken Levine; Nelson, Levine, de Luca & Horst

No. The state of KY does not allow Waivers of Subrogation for Work Comp.