An Act providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties.

This Pennsylvania bill, known as the Health Insurance Protection Against Limitations Act, requires health insurers to remove annual and lifetime dollar limits on core medical benefits for both individual and group plans. The law specifically applies to policies that were first offered or issued in the state in 2024, ensuring that essential services are not capped over time. To enforce these rules, the Insurance Department is authorized to create regulations and impose penalties, including fines up to $500,000 for insurers, on companies that violate the coverage protections. Additionally, the bill mandates that the Insurance Commissioner notify the state legislature if federal laws protecting against such limits are repealed or invalidated.