Pennsylvania House Bill HB1664

Pennsylvania 2023-2024 Regular Session

• Introduced: 9/12/23
• Refer: 9/12/23
• Refer: 3/27/24
• Report Pass: 4/8/24
• Engrossed: 4/8/24
• Refer: 4/17/24
• Refer: 6/25/24
• Report Pass: 6/27/24
• Refer: 7/5/24
• Report Pass: 7/8/24
• Enrolled: 7/9/24
• Chaptered: 7/15/24
• Passed: 7/15/24

Caption

In regulation of insurers and related persons generally, providing for payment choice and for electronic notice of insurance practices; and imposing

Impact

The bill's provisions are designed to add new guidelines for insurers regarding the delivery of documents and notices electronically. It mandates that insurers obtain explicit consent from policyholders before delivering notices electronically and includes their right to opt-out at any time without facing penalties. Additionally, the bill imposes penalties for insurers that fail to comply with these new regulations, reinforcing the legal obligations of insurers towards their clients and enhancing consumer protection in the insurance sector.

Summary

House Bill 1664 aims to amend Title 40 of the Pennsylvania Consolidated Statutes by introducing provisions regarding payment choice and the electronic delivery of insurance-related documents. The bill emphasizes that health insurers must provide policyholders with clear options for payment methods, including the utilization of credit card payments, while ensuring they are informed of any potential fees associated with these methods. The intent of the bill is to enhance consumer choice and streamline insurance payment processes, thus potentially improving customer satisfaction.

Sentiment

Initial reactions to HB1664 seem to align with a positive sentiment among consumer advocacy groups and policymakers who view it as a step towards modernization of insurance practices. However, there are concerns from some sectors about the implications of mandatory electronic communications, particularly regarding those who may prefer or require paper documentation for various reasons, including accessibility and privacy considerations. Thus, the sentiment is cautiously optimistic but tempered by concerns over inclusivity.

Contention

One of the notable points of contention in discussions surrounding HB1664 includes the balance between modernization of insurance practices and the rights of consumers to choose their preferred method of receiving documents. While advocates advocate for efficiency and improved access via electronic methods, opponents raise concerns regarding the risk of disenfranchising individuals who are less comfortable with digital communications. This debate underscores the ongoing tension between technology adoption in financial services and the diverse preferences of consumers.