Bill > HB111

This bill, known as Lloyd's Law, prohibits life insurance companies from discriminating against individuals who have used or been prescribed opioid overdose reversal agents (medications like Narcan that can quickly reverse an opioid overdose). Specifically, insurers cannot deny, cancel, or refuse to renew insurance coverage, limit coverage, or charge higher rates to applicants or enrollees solely because they have previously obtained or been prescribed these medications. The bill defines key terms including "adverse action" as any discriminatory practices against an individual, "applicant" as someone seeking insurance coverage, and "insurer" as an entity licensed to provide life insurance. If an insurance company violates this prohibition, they will be considered to be engaging in unfair discrimination and unfair insurance practices under existing Pennsylvania law. The legislation will take effect 60 days after its enactment, providing immediate protections for individuals who have used opioid overdose reversal agents to prevent potential life-threatening overdoses.

Budget and Finance, Business and Industry

https://www.legis.state.pa.us/cfdocs/billinfo/bill_history.cfm?syear=2025&sind=0&body=H&type=B&bn=111