Pennsylvania HB618 establishes health insurance access protections, prohibiting discrimination based on preexisting conditions and limiting premium.
HB618, the Health Insurance Access Protection Act, mandates that insurers cannot deny eligibility or coverage based on preexisting conditions or health factors. It restricts premium rate variations to family size, geographic area, age, and tobacco use. The act also requires insurers to treat all enrollees in individual and small group markets as part of a single risk pool. The Insurance Department can adjust permissible age and tobacco rating bands. Violations may result in penalties including fines and license suspension.
Included in complete analysis
- Overview
- Core Provisions
- Implementation
- Impact
- Legal Framework
- Critical Issues
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