Bill > SB52

This bill, known as the Health Insurance Protection Against Limitations Act, provides for health care insurance coverage protections in Pennsylvania. It prohibits insurers from establishing annual or lifetime limits on the dollar value of "core benefits" provided to enrollees, whether by in-network or out-of-network providers. The bill defines "core benefits" as those for which no such limits were permitted in 2018, or as may be specified by the state Insurance Department through regulations. The bill grants the Insurance Department authority to issue temporary regulations to facilitate the law's prompt implementation, and it outlines enforcement mechanisms, including fines and license suspensions or revocations for violations. The bill applies to health insurance policies for which rates or forms are filed with the state, as well as those for which neither rates nor forms are filed, with different applicability timelines. Finally, it repeals any inconsistent laws or parts of laws.