Bill > HB1444

This bill establishes a comprehensive framework for Association Health Plans (AHPs) in Pennsylvania, allowing groups of employers to join together to purchase health insurance under more flexible conditions. The bill defines detailed requirements for associations, including that they must be actively established for at least two years, have a legitimate business purpose beyond obtaining insurance, maintain a governing board with at least 75% representation from participating employers, and ensure coverage is fully insured and available to all employees regardless of health factors. Association health plans must be guaranteed issue, comply with Affordable Care Act requirements, provide essential health benefits, and cover at least 51 lives. The legislation sets specific rules for premium calculations based on whether employers are in the same industry or include sole proprietors, and establishes filing requirements for health insurers offering such plans. The bill also creates an enforcement mechanism with potential penalties for non-compliance, including fines up to $5,000 per violation (or $10,000 for willful violations), license suspension, or revocation. These penalties are capped annually and can be imposed by the Insurance Commissioner, with additional administrative review processes. The law is designed to provide more flexible and potentially more affordable health insurance options for small businesses and self-employed individuals while maintaining consumer protections.

Business and Industry

https://www.legis.state.pa.us/cfdocs/billinfo/bill_history.cfm?syear=2025&sind=0&body=H&type=B&bn=1444