An Act amending the act of July 22, 1974 (P.L.589, No.205), known as the Unfair Insurance Practices Act, further providing for unfair methods of competition and unfair or deceptive acts or practices defined.

HB 1122 amends Pennsylvania's Unfair Insurance Practices Act to explicitly prohibit insurance companies from discriminating against applicants or policyholders based on protected characteristics. The bill adds specific language banning unfair discrimination in underwriting and eligibility decisions due to race, religion, nationality, ethnicity, age, sex, family size, occupation, residence, marital status, or criminal history. This directly affects insurers (who must comply with these rules) and applicants/policyholders (who gain protections against such discrimination). The key change clarifies that insurers cannot deny coverage, adjust rates, or impose terms based on these factors, except where rates are set through proper regulatory processes. The bill takes effect 60 days after enactment.