Pennsylvania Health Insurance Laws
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Consumer Rights under PA State Law

Pennsylvanias insurance laws are not very restictive to insurance companies but the few that are in place will help prepare you for purchasing a coverage.

Policy Cancellation
All Pennsylvania health insurance policies include a guaranteed renewable provision. An insurance company cannot deny renewal request if there are no contract violations.

Newborn and Dependent Coverage
An insurance policy issued in Pennsylvania must automatically cover newborns and adopted children for 31 days if the policy already covers dependents.

Non Guaranteed Coverage
Pennsylvania laws do not specify that an insurance company has to issue insurance to an individual. An individual can be denied coverage based on their health condition or past conditions.

Unset Policies
Insurance companies in Pennsylvania do no have policies that are set by the state. This means they can tailor their policies how they want. Insurance companies can choose to cover or not cover certain pre-existing medical conditions. This is called Elimination riders, and can be added to any policy.

They can also set higher premiums based on current and past health conditions and age.

Temporary Health Insurance
Insurance companies in Pennsylvania are allowed to offer temporary insurance coverage. This coverage is helpful if an individual is between jobs. Temporary insurance coverage is not guaranteed renewable and can be cancelled by the insurance company.

Always check with your health insurance company on latest policies. These types of policies rarely ever change (but can), and they are very similar from state to state. So, we have tried to highlight the differences, where applicable.

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