An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, in regulation of insurers and related persons generally, providing for health insurance alteration prohibitions.

This bill prohibits licensed health insurers in Pennsylvania from increasing costs such as premiums, copayments, coinsurance, or deductibles for specific health care services that were already covered under a policy. The law applies to individual and group health insurance plans but excludes self-funded employer plans and other limited benefit policies. Insurers may still raise costs if a service was obtained through fraud or if the U.S. Food and Drug Administration issues a warning about safety or if a drug manufacturer announces a discontinuance. Violations of these rules would be treated as unfair trade practices and could result in a civil penalty of up to $1,000 for the insurer.