An 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 cost-sharing calculation.

SB 268 amends Pennsylvania's Insurance Company Law to establish rules for calculating health insurance cost-sharing. It requires insurers and pharmacy benefits managers (PBMs) to include all out-of-pocket payments made by insured individuals (or others on their behalf) when determining cost-sharing amounts like deductibles or copays. The law applies to health insurance policies issued, renewed, or entered into after its effective date, but excludes dental, vision, workers' compensation, and similar coverage types. This change directly affects health insurers, PBMs, and policyholders by standardizing how cost-sharing is calculated under health plans.