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 bill bans health insurers in Pennsylvania from setting annual or lifetime dollar limits on essential medical services (like hospital care, surgery, and emergency treatment), affecting both in-network and out-of-network providers. It applies to individual and group health insurance policies, directly protecting enrollees from coverage caps on core benefits. Insurers must comply with these limits, with enforcement including fines up to $5,000 per violation. The law takes effect for policies filed with the Insurance Department after its effective date.