An Act providing for individual and group health care insurance coverage protections and for core health benefits; imposing penalties; and providing for applicability and for regulations.

This bill establishes the Health Insurance Core Benefits Coverage Act to require all individual and group health insurance policies in Pennsylvania to cover a specific set of essential services. These mandatory benefits include emergency care, hospitalization, prescription drugs, mental health treatment, and preventive services, ensuring that plans are at least as comprehensive as those first offered in the state in 2020. The Insurance Department is authorized to adjust these requirements through regulations by considering factors such as population health needs, potential discrimination, and medical advancements. Insurers that fail to comply with these coverage standards face penalties, while the law explicitly excludes limited policies like dental-only or accident-only plans from these mandates.