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 departmental powers and duties and providing for additional penalties.

HB 966 amends Pennsylvania's Insurance Company Law of 1921 to strengthen consumer protections in health insurance. It requires insurance companies to pay penalties if over 50% of their denied health claims (excluding administrative denials) are later overturned through internal or external review processes. Penalties start at $50,000 for the first overturned claim and increase to $250,000 per claim for subsequent violations. Collected penalties must fund consumer protection activities, in addition to any other existing penalties. This directly affects health insurers operating in Pennsylvania.