An Act providing for individual and group health care insurance coverage protections and for core health benefits; imposing penalties; and providing for applicability and for regulations.

SB 51, the Health Insurance Core Benefits Coverage Act, requires Pennsylvania health insurance companies to cover specific core health benefits in both individual and group plans. It mandates coverage for 10 essential categories, including emergency services, mental health care, prescription drugs, hospitalization, preventive care, and pediatric services (like dental/vision for children). The law ensures plans are at least as comprehensive as those offered in 2018, with the Insurance Department allowed to adjust requirements through regulations. This directly affects insurers and policyholders by standardizing minimum coverage across the state.