Pennsylvania SB50 establishes health insurance coverage protections, regulates premium rates, and sets rules for insurer conduct.
Pennsylvania SB50, the Health Insurance Access Protection Act, mandates that premium rates for health insurance in the individual and small group markets can only vary based on family size, geographic rating area, age, and tobacco use, with specific limits. Insurers must treat all enrollees in their individual and small group market policies as part of a single risk pool, barring discrimination based on pre-existing conditions or health factors. The act also restricts insurers from charging higher premiums or denying coverage based on health status.
Included in complete analysis
- Overview
- Core Provisions
- Implementation
- Impact
- Legal Framework
- Critical Issues
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