HB 2648
An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, in regulation of insurers and related persons generally, providing for health insurance alteration prohibitions.
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Bill overview
This bill, House Bill 2648, amends Pennsylvania’s insurance laws to prevent health insurers from altering the coverage provided in a health insurance policy during the policy’s term, specifically regarding increases to premiums, copayments, coinsurance, and deductibles. It aims to protect consumers from unexpected changes to their health insurance benefits. The bill defines key terms related to health insurance and outlines prohibited acts by insurers, with exceptions for fraudulent activity or FDA-related issues. It also establishes penalties for violations and clarifies that certain employer-sponsored plans are exempt.
Key provisions
- Defines key terms related to health insurance, including ‘covered person,’ ‘health care provider,’ and ‘health insurance policy.’
- Prohibits health insurers from increasing premiums, copayments, coinsurance, or deductibles during the term of a policy for services already received.
- Establishes a civil penalty of up to $1,000 for insurers who violate the bill’s provisions.
- Exempts certain types of plans, including self-funded employer-sponsored plans and arrangements not subject to department regulation.
- Specifies exceptions to the alteration prohibition, such as fraudulent activity or FDA-related issues.
- Addresses prescription drugs and biological products within the context of health insurance coverage.
- Clarifies that the bill does not affect the applicability of the Generic Equivalent Drug Law.
Who is affected
- Health insurance policyholders
- Health insurance companies
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