An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in quality health care accountability and protection, further providing for definitions and for step therapy considerations.

SB 1409 amends Pennsylvania's Insurance Company Law to establish specific rules for how health insurers handle mental health treatments. The bill creates new definitions for "behavioral health crisis" and "serious mental illness," which includes conditions like schizophrenia, bipolar disorder, and major depression. Under these new rules, insurers can only require patients to try one alternative drug before approving a prescribed medication for serious mental illnesses, and they cannot require prior authorization or step therapy for drugs used during a behavioral health crisis if those drugs are FDA-approved and evidence-based. These changes will apply to new insurance policies starting January 1, 2027.