Providing for health care insurance preventive services coverage protections; conferring authority on the Insurance Department and the Insurance Commissioner; and providing for regulations, for enforcement and for penalties.
Impact
The enactment of HB 1050 is expected to significantly impact state law concerning health insurance regulations. By eliminating cost-sharing for preventive services, the bill seeks to improve healthcare accessibility for diverse populations, including women and children, and potentially reduce long-term healthcare costs associated with untreated conditions. The Pennsylvania Insurance Department is empowered to make adjustments to the list of covered services based on evolving medical guidelines and the needs of the population, ensuring that the legislation remains relevant and effective.
Summary
House Bill 1050, also known as the Health Insurance Preventive Services Coverage Act, mandates that health insurance policies provide comprehensive coverage for preventive services without imposing any cost-sharing requirements on the insured. This legislation aims to promote access to essential health services that can prevent serious health conditions, highlighting a commitment to preventative health care over reactive treatments. The bill specifies which services qualify for coverage, including those ranked as effective by the United States Preventive Services Task Force and recommended immunizations.
Sentiment
Overall, the legislative sentiment surrounding HB 1050 has been positive, with strong support from health advocates who argue that such measures are critical for improving health outcomes across the state. However, some discussions have centered on concerns regarding the financial implications for insurers, who may face pressure to adjust their business models as a result of the mandated coverage changes. This dual perspective highlights the ongoing conversation about the balance between financial viability for insurers and access to health care for individuals.
Contention
Despite general support, there are notable points of contention regarding the bill’s implementation, particularly concerning how insurers may respond to the regulation. Questions have been raised about the potential for increased premiums as insurers adjust to accommodate the lack of cost-sharing for additional required services. Furthermore, the bill allows for the Insurance Department to modify the list of mandated preventive services, which raises concerns about transparency and potential disparities in service availability across different regions of Pennsylvania.
Providing for health care insurance preventive services coverage protections; conferring authority on the Insurance Department and the Insurance Commissioner; and providing for regulations, for enforcement and for penalties.
Providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties.
Providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties.
Providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties.
Providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties.
Providing for health care insurance coverage protections, for duties of the Insurance Department and the Insurance Commissioner, for regulations, for enforcement and for penalties.
Providing for health care insurance coverage protections; imposing duties on the Insurance Department and the Insurance Commissioner; and imposing penalties.
Providing for individual and group health care insurance coverage protections and for core health benefits; imposing penalties; and providing for applicability and for regulations.
In limitation of time, further providing for six months limitation; in matters affecting government units, further providing for exceptions to sovereign immunity, for limitations on damages and for exceptions to governmental immunity and providing for claims for compensation for wrongful conviction; in general administration, providing for services after wrongful conviction; and, in Pennsylvania Board of Probation and Parole, further providing for powers and duties of department.