Pennsylvania insurance laws

What Pennsylvania has enacted on insurance, what each law requires, and what the bills still moving would do. Pennsylvania is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.

Bills in scope
152bills in scope
Past committee
44past committee
Most recent action
27 October 2026most recent action

Insurance laws enacted in Pennsylvania

9 insurance laws enacted in the Pennsylvania Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • HB 1123An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, further providing for coverage for colorectal cancer screening.Takes effect 21 December 2026

    What it requires: Insurers offering health insurance policies in Pennsylvania must provide coverage for colorectal cancer screening tests for covered individuals starting at age 45, including fecal occult blood tests, sigmoidoscopy, colonoscopy, multi-target stool DNA tests, multi-target stool RNA tests, and cell-free DNA tests or blood-based screening tests, without cost sharing for minimum required coverage.

    Health coverage and plan regulation

  • HB 2464An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in benefits for alcohol abuse and dependence, further providing for definitions, for inpatient detoxification, for nonhospital residential alcohol or other drug services, for outpatient alcohol or other drug services and for rules and regulations; and making editorial changes.Enacted 22 October 2026

    What it requires: Insurers subject to the act must include coverage for alcohol and drug abuse and dependency treatment benefits in group health policies. Coverage must include inpatient detoxification in hospitals or affiliated non-hospital facilities, non-hospital residential services, and outpatient services, all licensed by the Department of Drug and Alcohol Programs. A licensed physician or psychologist must certify the insured's condition before non-hospital residential or outpatient benefits apply.

    Health coverage and plan regulation

  • SB 1210An Act amending the act of May 17, 1921 (P.L.789, No.285), known as The Insurance Department Act of 1921, in insurance producers, further providing for powers and duties of department.Enacted 22 October 2026

    What it requires: The commissioner shall approve or contract to approve programs or courses of study that prepare candidates for insurance producer licensing examinations. Approved courses or programs are exempt from the Private Licensed Schools Act, and the commissioner's authority to approve such courses is exclusive.

    Licensing, solvency and market conduct

  • HB 2404An Act making appropriations from the Workmen's Compensation Administration Fund to the Department of Labor and Industry and the Department of Community and Economic Development to provide for the expenses of administering the Workers' Compensation Act, The Pennsylvania Occupational Disease Act and the Office of Small Business Advocate for the fiscal year July 1, 2026, to June 30, 2027, and for the payment of bills incurred and remaining unpaid at the close of the fiscal year ending June 30, 2026.Took effect 1 July 2026

    What it does: Appropriates $81,302,000 from the Workmen's Compensation Administration Fund to the Department of Labor and Industry for administering the Workers' Compensation Act and Pennsylvania Occupational Disease Act for fiscal year July 1, 2026 to June 30, 2027, and appropriates $550,000 to the Office of Small Business Advocate.

    Workers' compensation, surety and specialty lines

  • SB 88An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, repealing provisions relating to coverage for mammographic examinations and breast imaging and providing for coverage for mammographic examinations, magnetic resonance imaging and other forms of breast imaging.Took effect 23 January 2026

    What it requires: Cannot determine. The provided file is corrupted binary data (appears to be a compressed XML document) rather than readable act text. No operative obligations or prohibitions can be extracted.

    Health coverage and plan regulation

  • HB 416An Act amending the act of April 9, 1929 (P.L.343, No.176), known as The Fiscal Code, providing for Child Care Staff Recruitment and Retention Program; in 911 Emergency Communication Services, further providing for surcharge; in Department of Revenue, further providing for exclusion from classes of income and providing for research and experimental expenditures and qualified production property, for report to General Assembly and for interest expense; in joint underwriting association, further providing for findings and for definitions, repealing provisions relating to sunset and providing for risk-based capital certification, for fund transfers, for association oversight and additional duties, for Joint Underwriting Association Board, for board meetings, for construction, for dissolution, for appropriations and for reports and hearings; in State Health Insurance Exchange Affordability Program, further providing for Exchange Affordability Assistance Account; providing for Rural Health Transformation Program; in Treasury Department, providing for waiver of interest, costs and fees; in procedure for disbursement of money from the State Treasury, further providing for use and appropriation of unused Commonwealth funds; in oil and gas wells, further providing for Oil and Gas Lease Fund; providing for advanced air mobility sites and for public transportation vehicles; in human services, further providing for resident care and related costs; in Attorney General, providing for home improvement contractor registration fee; providing for Rare Disease Advisory Council, for affordable housing tax credit and for working Pennsylvanians tax credit; in additional keystone opportunity expansion zones, providing for additional keystone opportunity expansion zones for certain counties of the fourth class; providing for additional extensions of keystone opportunity zones; in special funds, further providing for funding, for expiration and for other grants; in additional special funds and restricted accounts, further providing for establishment of special fund and account, for use of fund and for distributions from Pennsylvania Race Horse Development Fund and providing for refund of 2003 assessment by Insurance Department; in additional special funds and restricted accounts relating to Service and Infrastructure Improvement Fund, further providing for deposits and providing for Property Tax Relief Fund; in general budget implementation, further providing Executive Offices, for Department of Community and Economic Development, for Department of Environmental Protection, for Pennsylvania Fish and Boat Commission, for Pennsylvania Higher Education Assistance Agency and for Commonwealth Financing Authority, providing for stenography services, further providing for surcharges, for Federal and Commonwealth use of forest land and for Multimodal Transportation Fund and providing for State Sexual Offenders Assessment Board, for interest transfers, for fund transfers and for miscellaneous provisions; in 2024-2025 budget implementation, further providing for Department of Education, for Department of Environmental Protection and for Department of Human Services; in Streamlining Permits for Economic Expansion and Development Program, further providing for scope of article, for definitions and for the Streamlining Permits for Economic Expansion and Development Program, providing for review and determination of specific permits and for State agency permits and further providing for construction; providing for electricity load forecast accountability, for 2025-2026 budget implementation and for 2025-2026 restrictions on appropriations for funds and accounts; making repeals; and making editorial changes.Took effect 11 January 2026

    What it does: Amends the Tax Reform Code of 1971 to exclude amounts received by Holocaust survivors as part of Holocaust reparations from personal income tax. Takes effect in 60 days.

    Licensing, solvency and market conduct

  • HB 211An Act amending the act of December 20, 1996 (P.L.1492, No.191), known as the Medical Foods Insurance Coverage Act, further providing for declaration of policy.Enacted 30 June 2025

    What it does: Amends the Medical Foods Insurance Coverage Act to replace the term 'mental retardation' with 'intellectual disabilities' in the declaration of policy regarding aminoacidopathies and their effects if left untreated.

    Health coverage and plan regulation

  • HB 261An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, further providing for conditions subject to which policies are to be issued and for group accident and sickness insurance; and, in community health reinvestment, further providing for definitions.Enacted 30 June 2025

    What it requires: Insurers must continue coverage of unmarried dependent children beyond the specified termination age if the child is incapable of self-sustaining employment due to intellectual or physical disability, became incapable before age nineteen, is chiefly dependent on the policyholder for support, and proof of incapacity is submitted within thirty-one days of the termination age. Insurers need not cover such dependents who do not satisfy policy conditions regarding evidence of insurability.

    Health coverage and plan regulation

  • HB 1334An Act making appropriations from the Workmen's Compensation Administration Fund to the Department of Labor and Industry and the Department of Community and Economic Development to provide for the expenses of administering the Workers' Compensation Act, The Pennsylvania Occupational Disease Act and the Office of Small Business Advocate for the fiscal year July 1, 2025, to June 30, 2026, and for the payment of bills incurred and remaining unpaid at the close of the fiscal year ending June 30, 2025.Took effect 1 July 2025

    What it does: Appropriates $75,802,000 from the Workmen's Compensation Administration Fund to the Department of Labor and Industry for administering the Workers' Compensation Act and Pennsylvania Occupational Disease Act for fiscal year July 1, 2025 to June 30, 2026, and $550,000 to the Office of Small Business Advocate.

    Workers' compensation, surety and specialty lines

Insurance in Pennsylvania, by topic

Insurance bills in Pennsylvania

The bills not yet law, furthest along first, with what each would do.

9Enacted

35Past committee

1Active in committee

107Introduced or inactive

152 bills in scope

Past committee

25 of 35 shown

HB 1827An Act providing for medical assistance coverage and insurance coverage of screening, prevention and treatment measures for osteoporosis as a result of menopause.Passed chamber

What it would do: Requires health insurers and medical assistance programs to cover bone mineral density testing, preventative measures including dietary supplements and physical therapy, and FDA-approved drugs and devices for osteoporosis prevention and treatment for individuals who have reached menopause.

HB 2545An Act providing for insurance coverage for vaginal estrogen for the treatment of menopausal symptoms and urinary tract infections.Passed chamber

What it would do: Requires health insurance policies offered, issued or renewed in Pennsylvania to cover vaginal estrogen for treating menopausal symptoms and preventing urinary tract infections, including all FDA-approved drugs, devices and combination products, subject to policy terms including medical necessity and cost sharing.

HB 1346An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for menopause treatment coverage.Passed chamber

What it would do: Requires health insurance policies in Pennsylvania to cover hormonal and non-hormonal treatments for menopausal symptoms, including FDA-approved drugs and devices, behavioral therapy, and therapy for menopause induced by hysterectomy, subject to policy terms including cost-sharing and utilization review.

SB 1439An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, in State-based exchange, further providing for powers and duties of exchange authority and for reports.Passed committee

What it would do: Amends the definition of enrollee to require documentary evidence of Commonwealth residency and citizenship or lawful presence. Requires the exchange authority to respond to insurer rescission requests within one business day and decide within five business days, and establishes an Office of Fraud Prevention to investigate fraud and submit annual reports.

HB 1925An Act amending Titles 35 (Health and Safety), 40 (Insurance) and 67 (Public Welfare) of the Pennsylvania Consolidated Statutes, providing for artificial intelligence in facilities, for artificial intelligence use by insurers and for artificial intelligence use by MA or CHIP managed care plans; imposing duties on the Department of Health, the Insurance Department and the Department of Human Services; and imposing penalties.Passed chamber

What it would do: Requires health care facilities, insurers, and MA/CHIP managed care plans to disclose artificial intelligence use in clinical decision-making and utilization review, establish compliance policies, file annual compliance statements, and prohibits AI from superseding human clinical judgment. Imposes civil penalties up to $10,000 per knowing violation and $250,000 annually per entity.

HB 2649An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for coverage for certain fertility preservation services.Passed chamber

What it would do: Requires health insurers offering policies in Pennsylvania to cover fertility preservation services as a benefit when medically necessary treatment may cause infertility, including storage for at least three years, with a lifetime maximum benefit of at least $100,000 per person, and allows religious employers to request exemptions.

SB 1196An Act amending the act of June 13, 1967 (P.L.31, No.21), known as the Human Services Code, in public assistance, providing for pain parity in Medicaid and for pain parity in commercial insurance.Passed committee

What it would do: Prohibits the Pennsylvania Department of Human Services from disadvantaging FDA-approved non-opioid pain drugs compared to opioid drugs on Medicaid's preferred drug list, and prohibits insurers from imposing more restrictive coverage, utilization controls, or cost-sharing on non-opioid pain drugs than opioid drugs.

SB 1315An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for coverage for certain fertility preservation services.Passed committee

What it would do: Requires health insurers offering policies in Pennsylvania to cover fertility preservation services for persons whose medically necessary cancer treatment may cause infertility, including storage for at least three years, with a lifetime maximum benefit of at least $100,000 per person, subject to policy terms and religious employer exemptions.

HB 2653An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for behavioral health care provider access; and imposing penalties.Passed chamber

What it would do: Requires insurers to contract with behavioral health care providers who are in good standing, practice in Pennsylvania, offer covered services in the service area, and accept standard contract terms, at rates equal to similarly situated in-network providers, with penalties up to $5,000 per violation or $10,000 for willful violations, capped at $500,000 annually.

HB 1244An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for coverage for pelvic floor therapy.Passed committee

What it would do: Requires health insurance policies and government medical assistance programs issued or renewed after the effective date to cover pelvic floor therapy, biofeedback, trigger point therapy, electrical stimulation, and postoperative care for prostatectomies, hysterectomies, and postpartum pelvic floor assessments, subject to existing medical necessity policies and cost-sharing requirements.

HB 2648An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, in regulation of insurers and related persons generally, providing for health insurance alteration prohibitions.Passed committee

What it would do: Prohibits health insurers from altering coverage during a policy term for previously covered health care services by increasing premiums, copayments, coinsurance, or deductibles, with exceptions for fraudulent services or those subject to FDA safety statements or drug discontinuance notices. Violations incur civil penalties up to $1,000.

SB 1215An Act amending the act of June 2, 1915 (P.L.736, No.338), known as the Workers' Compensation Act, in liability and compensation, further providing for schedule of compensation.Passed committee

What it would do: Amends the Workers' Compensation Act to establish reimbursement limits for compound drugs at $20 compounding fee and $400 per 30-day supply maximum, and for noncompound topical drugs at the lesser of 110% AWP, Federal Upper Limit, or $240 per 30-day supply plus $10 dispensing fee.

HB 2226An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for prescription drug cost credits in health insurance; and imposing penalties.Passed committee

What it would do: Adds to Pennsylvania's Unfair Trade Practices law a prohibition on health insurers failing to apply consumer payments toward deductibles, copayments, coinsurance, or out-of-pocket maximums unless federal law requires otherwise, and grants the Insurance Department concurrent enforcement authority with penalties including license suspension and restitution.

HB 2652An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for prescription drug cost credits in health insurance; and imposing penalties.Passed committee

What it would do: Requires prescription drug coverage administrators to credit out-of-pocket expenses for directly purchased prescription drugs toward a covered person's in-network out-of-pocket maximum and cost-sharing requirements, with limited exceptions and penalties up to $5,000 per violation or $10,000 for willful violations.

HB 2499An Act amending the act of June 2, 1915 (P.L.736, No.338), known as the Workers' Compensation Act, in State Workers' Insurance Fund, further providing for investments by board.Passed chamber

What it would do: Amends the Workers' Compensation Act to allow the State Workers' Insurance Fund board to invest up to twenty percent of the fund's assets in equity investments, notwithstanding certain banking and fiscal code provisions, subject to the prudent investor rule.

HB 2049An Act amending the act of June 2, 1915 (P.L.736, No.338), known as the Workers' Compensation Act, in liability and compensation, further providing for computation of benefits.Passed chamber

What it would do: Increases the maximum burial expense benefit under workers' compensation from $7,000 to $20,000, with annual adjustments for inflation starting January 1, 2027. Requires refund of excess burial payments to surviving dependents and establishes procedures for undertakers and dispute resolution.

HB 2427An 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 providing for utilization management for stage four, advanced metastatic cancer drugs; and making a repeal.Passed chamber

What it would do: Amends Pennsylvania insurance law to prohibit insurers from requiring patients with stage four advanced metastatic cancer to fail other drugs before covering FDA-approved drugs consistent with best clinical practices, and repeals the prior Fair Access to Cancer Treatment Law.

HB 2087An Act amending the act of June 2, 1915 (P.L.736, No.338), known as the Workers' Compensation Act, in additional coverages, further providing for definitions.Passed chamber

What it would do: Amends the Workers' Compensation Act to expand the definition of "employe" to include volunteer fire department and ambulance corps members who provide operational support activities on a regular basis, such as maintaining equipment, organizing fundraising activities, and administrative tasks, if approved annually by the authority purchasing workers' compensation insurance.

HB 1718An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for flood insurance notification; imposing duties on the Insurance Department; and imposing a penalty.Passed chamber

What it would do: Requires insurers to provide written notice to policyholders about flood insurance availability when issuing or renewing homeowner's insurance policies in Pennsylvania, beginning six months after enactment. The Insurance Department must create a model disclosure form, and violations are subject to penalties up to $10,000.

SB 1211An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, further providing for coverage for biomarker testing.Passed chamber

What it would do: Amends the Insurance Company Law of 1921 to expand the definition of medical assistance and Children's Health Insurance Program managed care plans to explicitly include biomarker testing as a covered service, and applies the same coverage requirements to medical assistance participants under the Human Services Code.

HB 1641An Act amending the act of March 20, 2002 (P.L.154, No.13), known as the Medical Care Availability and Reduction of Error (Mcare) Act, in insurance, providing for adverse actions against legal reproductive health care.Passed committee

What it would do: Prohibits medical professional liability insurers from taking adverse actions against health care providers solely because they provide reproductive health care services permitted under Pennsylvania law to out-of-state patients, including prescribing medication to terminate pregnancy via telemedicine.

HB 1828An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for immunization coverage; and imposing penalties.Passed chamber

What it would do: Requires insurers offering health insurance policies to provide coverage for immunizations without cost-sharing requirements, except for grandfathered plans. Authorizes the Insurance Commissioner to add or remove immunizations from coverage requirements based on Department of Health determinations and establishes penalties up to $5,000 per violation or $10,000 per willful violation.

HB 305An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for coverage for insulin.Passed committee

What it would do: Requires health insurance policies with prescription coverage to cap copayments, coinsurance, and deductibles for insulin at $35 per 30-day supply. Directs the Attorney General to investigate insulin pricing and report findings to the General Assembly within one year.

HB 589An Act establishing the Landslide and Sinkhole Insurance Program and the Landslide and Sinkhole Insurance Fund; establishing and providing for the powers and duties of the Landslide and Sinkhole Insurance Board; providing for duties of the Auditor General; imposing a penalty; and making transfers.Passed chamber

What it would do: Establishes the Landslide and Sinkhole Insurance Program and Fund administered by a board to provide insurance coverage for landslide and sinkhole damage to structures, with premiums deposited into a restricted state fund and initial $10,000,000 transfer from the General Fund.

HB 1445An Act amending Title 40 (Insurance) of the Pennsylvania Consolidated Statutes, providing for school-based services; and, in telemedicine, further providing for insurance coverage of telemedicine.Passed chamber

What it would do: Prohibits health insurance policies from excluding coverage for medically necessary mental health, behavioral health, or speech therapy services provided in school settings. Also amends telemedicine coverage requirements to clarify insurers need not cover services schools are required to provide under federal or state law.

Showing the 25 furthest along of 143. Subscribers see all of them, filtered and searchable. Bill titles link to the Pennsylvania Legislature's own page.

What LawSignals covers

What counts as insurance legislation

In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.

Questions

Does Pennsylvania have an insurance law?

Yes. Pennsylvania enacted 9 insurance laws in the 2025 and 2026 sessions, among them HB 1123, HB 2464 and SB 1210. Each is listed on this page with what it requires.

When do Pennsylvania's insurance laws take effect?

HB 1123 on 21 December 2026, HB 2404 on 1 July 2026, SB 88 on 23 January 2026, HB 416 on 11 January 2026 and HB 1334 on 1 July 2025. The others have no single date in their text.

Which insurance bills are moving in Pennsylvania?

35 bills not yet law have passed a committee or a chamber, the furthest along HB 1827 (passed chamber), HB 2545 (passed chamber) and HB 1346 (passed chamber).

What does Pennsylvania legislate on most in insurance?

Health coverage and plan regulation (103 bills), Licensing, solvency and market conduct (25 bills) and Workers' compensation, surety and specialty lines (21 bills).

Are these summaries reviewed by a lawyer?

No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.

Other practice areas in Pennsylvania

Insurance legislation in other jurisdictions

52 more currently hold bills in this tracker

Know when Pennsylvania's insurance law changes

An alert when a bill moves, and one report a month on what changed in every state and Congress.

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