An Act providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties.

SB 50, the Health Insurance Access Protection Act, prohibits Pennsylvania insurers from denying coverage, charging higher premiums, or excluding benefits based on pre-existing conditions or health factors for individuals and small groups (2-50 people). It limits premium variations to age (max 3:1 ratio), location, family size, and tobacco use (max 1.5:1 ratio), requiring insurers to pool all enrollees in the individual and small group markets. The law also mandates that insurers cannot use health status to set rates or deny coverage, directly protecting people with chronic illnesses or past medical issues.