An Act amending the act of December 15, 1982 (P.L.1291, No.292), known as the Medicare Supplement Insurance Act, providing for annual open enrollment period; and abrogating a regulation.

SB 1185 creates an annual open enrollment period for Pennsylvania Medicare supplement insurance policyholders. Starting on each policyholder's birthday, insurers must offer a 90-day window during which individuals can switch to any comparable Medicare supplement policy without being denied coverage or charged more based on health status. Insurers must also notify policyholders 15-30 days before the enrollment period about dates, rights, and policy changes. This amendment modifies Pennsylvania's 1982 Medicare Supplement Insurance Act and replaces an inconsistent existing regulation. The bill directly affects Medicare supplement policyholders in Pennsylvania.